Kathleen Maccubbin is a financial advisor at Primerica Advisors with Series 65 and Series 63 credentials and six years of industry experience. Her background includes roles at the University of Maryland and McCormick, and she has been affiliated with Primerica-related entities since 2000. She also has compensation arrangements related to referrals of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors and some corporate and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through established third parties.

James Collins is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 designations and 18 years of industry experience. His prior roles include positions at CUNA Mutual Group, Colonial Life, and independent insurance brokering focused on disability income. Collins is based in Midlothian, VA. 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 ongoing retirement-income planning advice using proprietary research and algorithmic tools.

Bivas Ghosh is a financial advisor at Ameriprise with 23 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2002. Outside of his advisory role, he is involved in managing businesses that purchase tax lien certificates and deeds across multiple states. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jeanette Bishop is a financial advisor with Primerica Advisors in Petersburg, VA, holding Series 63 and Series 65 licenses and with 44 years of industry experience. She has been with Primerica Advisors since 1981 and Primerica Financial Services since 1980. Outside of advisory work, she is involved in the sale of loan products and home-related services as well as ownership of a private LLC. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm offers a wrap-fee asset management program that relies mainly on model-based strategies managed by unaffiliated asset managers, supported by custodial and trade execution services from third parties.

Joann Stith Maloney is a financial advisor with Ameriprise in Midlothian, VA, holding Series 63 and Series 65 credentials and 25 years of industry experience. She has been with Ameriprise and its related entities since 2012. Outside of her advisory role, she owns Revive Your Vibe, a business focused on selling essential oils and performing energy work. Ameriprise provides a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations. As a large institutional firm, Ameriprise offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Eva Rennalls is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Her prior work includes positions at Janney Montgomery Scott, Northwestern Mutual, Space IQ, McKesson, and MAPEI Corporation. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

Theresa Kelly is a financial advisor with Primerica Advisors in Midlothian, VA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. She has worked with Primerica Financial Services and affiliated firms since 2011. Outside of investment advisory work, she is involved as a Medicare broker, selling Medicare supplements, advantage plans, and prescription drug plans on a part-time basis. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers, using a tiered wrap fee structure and delegating trading responsibilities to BNY Mellon Advisors.

Charles Bennett Jr. is a financial advisor with Primerica Advisors in Powhatan, VA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Primerica Advisors since 1996 and Primerica Financial Services since 1995. Outside of his advisory role, he owns Smart Route Financial Solutions LLC, a legal entity formed to support his Primerica business activities. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Hunter Seay is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. Prior to his current role, he worked at Seay Custom Irrigation and Atlantic Coast Settlement, and served five years in the United States Marine Corps. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines algorithmic tools with advisor input and a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Bruce Mccook is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Infinex Investments, Virginia Commonwealth Bank, and Primis Bank. 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 provides various advisory programs, retirement plan consulting, and brokerage services, offering discretionary and non-discretionary management supported by in-house and third-party research.

Francis Sam is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds the Series 66 designation and has worked at several firms including Morgan Stanley and CUNA Brokerage Services. He has been with J.P. Morgan Securities and JP Morgan Chase Bank since 2020. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, offering non-discretionary advisory programs supported by a centralized due-diligence framework.

Sheldon Drake is a financial advisor at OSAIC with 33 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2023, he worked at SagePoint Financial and has operated Drake Hughes & Associates since 2001. He also represents Brayshaw Financial Group in Virginia. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple platforms to deliver portfolio management that includes stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Harry Michalowski is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 32 years of industry experience. He has been with Primerica Advisors since 1994 and was previously affiliated with Primerica Financial Services starting in 1993. Outside of advisory work, he is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies from third-party asset managers and provides discretionary portfolio management with custody and trade execution supported by Pershing and BNY Mellon Advisors.

Forrest Fox is a financial advisor with Wells Fargo Clearing Services, LLC, holding a Series 66 designation and bringing 10 years of industry experience. He previously worked at Edward Jones for one year before joining Wells Fargo in 2017. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Devin Palmese is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Wealthcare Advisory Partners, and other firms. Palmese is also an independent insurance agent through his own business, Palmese Financial LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm supports a range of investment approaches and platform arrangements, delivering solutions through a network of independent financial professionals.

Kevin Foster is a financial advisor at Edward Jones in Chesterfield, VA, with eight years of industry experience. He has held his current position since 2017 and previously worked for twenty years at TruGreen. Foster holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including various types of households and organizations. The firm offers a broad range of advisory strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Tenley Dixon is a financial advisor at Edward Jones with 10 years of industry experience. She holds the ChFC® designation along with Series 65 and Series 63 licenses. Prior to joining Edward Jones in 2022, she worked for Truist Investment Services Inc for six years. Outside of her advisory role, she serves on the Membership Committee for a Richmond business networking chapter and acts as an ambassador for a women’s golf apparel brand. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, maintaining a large network of advisors and branch offices across the country.

Kenneth Kapinskis is a financial advisor with Osaic Wealth Inc., holding Series 63 and Series 65 designations and bringing 21 years of industry experience. He worked at Signator Investors Inc. from 2004 to 2018 before joining Osaic in 2018. Kapinskis serves as a council member for St. Edwards Catholic Church, advising on the church’s investment performance and distribution strategies. OSAIC Wealth Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a broad network of affiliated advisors and platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and a wide range of investment options including managed accounts and third-party solutions.

Robert Steele is a financial advisor with LPL Financial in Chester, VA, holding a Series 66 designation and possessing 10 years of industry experience. He previously worked at Investment Centers of America, Inc. before joining LPL Financial in 2017. Outside of his advisory role, Steele manages a non-variable insurance branch and sells property and casualty insurance. LPL Financial serves a broad client base including individuals, retirement plans, banks, and corporations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management with access to model portfolios, third-party research, and various institutional programs.

Justin Martin is a financial advisor with Ameriprise in Powhatan, VA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2002. Outside of his advisory role, Martin serves on the board of directors for the nonprofit organization Together for Tanzania and owns a financial planning business called Prestige Planning. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to generate tailored retirement-income recommendations.