Prescott Terrell Jr. is a financial advisor with Robert W. Baird & Co., holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning, portfolio management, and brokerage services, with a focus on manager-traded and model-traded strategies, tax management, and the use of internal research tools including artificial intelligence.

Margaret Gugliotta is a Series 66 licensed financial advisor with over 21 years of industry experience. She has been with LPL Financial since 2011 and previously worked at Natcity Investments, Banc of America Investment Services, and Merrill. She is also a notary public in Lynchburg, VA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Todd Mccray is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and having 32 years of industry experience. Prior to joining LPL Financial in 2018, he worked at INVEST Financial Corp for seven years. He is also the president and business owner of TME, LLC, a non-investment-related business outside his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a large network of advisors with a broad range of investment strategies and non-advisory financial services.

Tiffany Fath is a financial advisor at LPL Financial with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at LPL Financial during two separate periods totaling five years, as well as at First National Bank and Hudson Valley Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms, supported by a network of over 22,800 advisors.

Gary Taylor is a financial advisor with Edward Jones in Amherst, VA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 32 years of industry experience and has been with Edward Jones since 1993. Outside of his advisory role, Taylor serves as an operations officer for Amherst County Search and Rescue Inc., a nonprofit organization where he manages training, recruiting, fundraising, and search activities on a volunteer basis. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and maintains a large nationwide network of financial advisors and branch offices.

Matthew Burkey is a financial advisor with Edward Jones in Lynchburg, VA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

David Schaap is a financial advisor at Wells Fargo Advisors with 17 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Wells Fargo Clearing and Wachovia Bank, N.A. prior to his current role. He serves as a board member for New Covenant Schools in Lynchburg, VA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services, including specialized areas such as business-owner transition and special-needs planning. Advisors use Wells Fargo research and planning tools to develop tailored recommendations, with clients deciding on implementation through the firm’s brokerage or advisory channels.

Mitchell Mays III is a financial advisor at Mass Mutual Investors Services with 40 years of industry experience. He has held roles at Mass Mutual Investors Services since 1985 and has been associated with MassMutual Life Insurance Company since 1981. Outside of his advisory work, he is an agent for individual life and health insurance and owns a business focused on the sales and marketing of financial education materials. Mass Mutual Investors Services operates as 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 seminars, emphasizing collaborative, goal-oriented planning guided by firm-approved analytical tools.

Benjamin Berry is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 66 licenses, and has 16 years of industry experience. He has worked at New York Life and affiliated firms since 2009 and operates Berry Wealth Strategies, LLC, which sells New York Life products and brokers non-registered insurance products. Berry serves on the YMCA Board of Directors and chairs its Finance Committee. 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 institutions, offering a range of financial planning and investment management solutions through a large network of advisors.

Joshua Rockey is a financial advisor with Edward Jones in Lynchburg, VA. He holds the Series 66 designation and has 13 years of industry experience, having been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

John Peniche is a financial advisor with Robert W. Baird & Co. in Lynchburg, VA, holding a Series 66 designation and 28 years of industry experience. He has worked at Robert W. Baird since 2020 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, he serves as power of attorney for his son. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that provides customized consulting and portfolio services to individuals, families, pension plans, corporations, charitable organizations, and institutional clients. The group employs a mix of discretionary and non-discretionary management strategies, including separately managed accounts and overlay services, to tailor investment solutions aligned with client goals and risk tolerances.

Luke Brown is a financial advisor with Fidelity in Lynchburg, VA, holding Series 63 and Series 66 licenses and having nine years of industry experience. His prior work includes roles at Mass Mutual Life Insurance, Bank of America, Merrill Lynch, J. Crew, and Liberty University. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios from a broad range of mutual funds, ETFs, and ETPs.

David Cooper is a financial advisor with Cambridge Investment Research Advisors in Lynchburg, VA, holding Series 66 and Series 65 licenses and having 18 years of industry experience. He has been with Cambridge Investment Research Advisors since 2015 and has prior experience with Cambridge Investment Research, Inc. Outside of his advisory role, Cooper serves as treasurer and elder at Providence Church, where he is involved in occasional preaching and weekly administrative work, and he is also treasurer for the Garland Hill Neighborhood Association. Cambridge Investment Research Advisors is a large SEC-registered firm serving 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, providing a range of portfolio management options and utilizing both proprietary models and third-party strategies tailored to client objectives.

Stacy Steuart is a financial advisor with Edward Jones in Lynchburg, VA, holding a Series 66 credential and 12 years of industry experience. She has worked at Edward Jones since 2020 and was previously self-employed and worked at ExamOne. Outside of advisory services, she operates a travel planning business called Wander with Stacy, LLC. Edward Jones is a full-service wealth management firm serving a wide range of individual and institutional clients, offering discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated mutual funds supported by a large nationwide network of advisors and branches.

Pamela Dyba is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 27 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is a part-owner and secretary of Unlimited Electrical Contracting Inc., an electrical contracting business based in Bedford, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving clients with tailored investment solutions and including a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Jonathan Letchworth is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2023, he worked at Liberty University and has held positions at Moughons ACE Hardware and Mathews Yacht Club. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Nicholas Sayer is a CFA® charterholder with nine years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services. His prior work includes roles at Ford Mays Wealth Management and Massachusetts Mutual Life Insurance Company. He also has experience outside finance, having worked at Hidden Valley Country Club for two years. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers structured, annual financial planning engagements that utilize firm-approved analytical tools but does not maintain discretionary authority over client investments.

Timothy Hoy is a financial advisor at Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has three years of industry experience. Prior to his current role, he spent over a decade at United Christian Academy and was involved with Laxton Homes, LLC. Outside of advising, he owns several businesses focused on purchasing, rehabilitating, and selling real estate. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm uses analytical tools and risk profiling to provide tailored, non-discretionary advice and supports institutional consulting and portfolio management within a large advisor network.

Karen Givens is a financial advisor at Raymond James & Associates with 12 years of industry experience. She held a position at Davenport & Company LLC for eight years before joining Raymond James in 2022. She holds the Series 66 designation. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

William Eubank III is a financial advisor at Edward Jones in Amherst, VA, holding Series 63 and Series 65 licenses with seven years of industry experience. His prior roles include positions at First Citizens Bank, MassMutual Life Insurance Company, TY Mortgage, and Sun Trust. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.