Joseph Montgomery is a CFP® with 49 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Montgomery holds the position of Treasurer at The Gladys & Franklin Clark Foundation, where he oversees grant requests and monitors investment performance. 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 approach is IPS-driven and incorporates modern portfolio theory, including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Tracy Henderson is a financial advisor at Wells Fargo Clearing with 24 years of industry experience and holds a Series 66 designation. She has worked with Wells Fargo-based firms since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets and employing over 14,000 advisors.

Julie Holstrom is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 66 designation and has worked at several firms, including PNC and Mass Mutual Investors Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Nolia Anderson is a financial advisor at Ameriprise with 39 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm delivers non-discretionary, research-driven recommendations that incorporate tax-smart withdrawal strategies and asset bucketing, supported by algorithmic automation and oversight from a centralized consulting team.

Catherine Springer is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and five years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Wells Fargo, and Edward Jones Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Jeremy Jones is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Capital Group/Capital Research and Management for nine years. Outside of his advisory role, he manages rental properties, handling rental income and property maintenance. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Brady Rouse is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and previously worked at Raymond James Financial and TowneBank. Outside of his advisory role, he serves as a sergeant and team leader in the North Carolina National Guard, focusing on disaster relief efforts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Erik Chaikin is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2002. He focuses on providing individualized financial and investment strategies tailored to each client's unique goals. Erik’s approach centers on building long-term relationships through personalized guidance and comprehensive wealth management services. With over 25 years of experience, Erik specializes in wealth accumulation, preservation, and transfer. He offers expertise in retirement planning, estate planning, tax minimization, corporate cash management, business transition planning, and portfolio management. Erik holds the Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), and Retirement Benefits Consultant designations, among others. He also provides fiduciary advisory services for defined contribution plans with assets of $10 million or more and manages personalized discretionary investment strategies. Erik earned a Bachelor’s degree from James Madison University. He is involved in his community through organizations such as Meals On Wheels and Habitat For Humanity and is affiliated with Bruton Parish Church. He resides in Williamsburg, VA, with his wife, Emily, their two sons, and their dogs.

Charles Mas is a financial advisor with Ameriprise in Newport News, VA, holding Series 63 and Series 65 licenses and having 24 years of industry experience. His career includes roles at several firms such as ValMark Securities, Foresters Advisory Services, and Thrivent Investment Management. Outside of his advisory work, he serves as a Financial Planning Analyst for Clarinity, Inc., where he creates and updates financial plans and manages advisory business activities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides detailed recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Howard Lininger is a financial advisor at Edward Jones with 12 years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Shawn Neighbor is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and bringing 26 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in real estate investment and property management in Hampton and Williamsburg, VA. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and serves a broad client base through various retail and institutional offerings.

James Camp is a financial advisor with Raymond James Financial Services Advisors Inc. in Newport News, VA, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He has worked at Raymond James and TowneBank since 2013. In addition to his advisory role, he is employed at Towne Wealth Management in a non-investment capacity. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and consulting supported by analytical tools and combines this with advisory programs and institutional portfolio management.

Gertrude Quinto is a ChFC® with 29 years of experience in the financial services industry, currently affiliated with Cambridge Investment Research Advisors since 2020. Her prior experience includes roles at Money Concepts Capital Corp, Chesapeake Financial Group, Infinex Investments, and Chesapeake Investment Services. She is also president of Quinto Financial Services, LLC. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, pension plans, and charitable organizations, by providing financial planning, investment management, and retirement plan advisory services. The firm offers multiple investment platforms and proprietary and third-party strategies, with options for both discretionary and non-discretionary management tailored to client objectives.

Robert Laufer Sr. is a financial advisor with LPL Financial, holding Series 63 and 65 licenses and bringing 37 years of industry experience. His prior experience includes roles at Nationwide Securities and Nationwide Advisory Services, as well as ownership of The Laufer Insurance Agency. He is also involved in non-variable insurance through his banking and insurance enterprises. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, and institutional clients nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, supported by model portfolios and research from various sources.

Jennifer Daknis is a financial advisor with LPL Financial in Williamsburg, VA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with LPL Financial since 2009. Outside of her advisory role, she is involved in non-variable insurance including life, health, long-term care, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various financial planning and advisory programs, including model portfolios and retirement plan consulting, with discretionary and non-discretionary management options.

John Martin Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 48 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Charles Spencer III is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Spencer holds the Series 63 and Series 65 designations. Outside of his advisory role, he serves as a trustee involved in estate administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and advanced modeling tools.

Frank Nickey is a financial advisor with Ameriprise in Newport News, VA, holding Series 63 and Series 66 licenses and 24 years of industry experience. His prior roles include positions at Cetera, CUSO Financial Services, and Wells Fargo Advisors. He also maintains an advisory role at Langley Federal Credit Union. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver these recommendations, emphasizing the use of Ameriprise-managed accounts and algorithmic automation overseen by a dedicated team.

Stacy Ansama is a financial advisor with Raymond James Financial in Newport News, VA. She holds a Series 66 designation and has recent experience with multiple firms dating back to 2023, including Heyman Investment Group and Senex Law, PC. She also spent a decade affiliated with Hampton Roads Academy. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, pension plans, corporations, and institutional clients. The firm employs a non-discretionary approach tailored to client goals using advanced modeling tools and supports a broad network of advisors and affiliated firms.

Scott Mc Combs is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 credential and six years of industry experience. He previously worked at MassMutual Greater Richmond and Hampden-Sydney College. Outside of his advisory role, Mc Combs engages in consulting and coaching. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, utilizing both proprietary and third-party investment strategies across multiple platform arrangements.