Kelly Letchworth is a Wealth Management Advisor and Senior Portfolio Advisor with The Hoskins Group, a team recognized as a 2024 Forbes Best-in-State Wealth Management team. She is part of a group of six professionals providing comprehensive wealth management services to individuals and families, focusing on creating personalized financial strategies that align with clients' values and life stages. Kelly's expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and serving women and wealth clients. As a Certified Financial Planner® and Certified Plan Fiduciary Advisor®, she holds Series 7 and Series 66 FINRA registrations and is licensed in Virginia for Life and Health Insurance. She earned her Bachelor's Degree in Financial Planning from Liberty University. Outside of her professional work, Kelly enjoys spending time with her husband, son, and their two dogs, frequently attending baseball games together. Her personal interests also include cooking, antiquing, interior decorating, reading, and traveling.

Joshua Crouse is a financial advisor at Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked at Merrill Lynch and Bank of America for seven years. 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, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports its services with municipal advisory capabilities and specialized employer consulting programs.

Stephen Cooper is a financial advisor with Cambridge Investment Research Advisors in Lynchburg, VA, holding Series 63 and Series 65 designations and 24 years of industry experience. His prior experience includes seven years at Lincoln Financial Securities. Outside of his advisory role, he is a managing partner and independent insurance agent at Commonwealth Financial Group. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing multiple custody platforms and both discretionary and non-discretionary investment approaches.

Laura Holt is a financial advisor with LPL Financial in Lynchburg, VA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. She has worked at LPL Financial since 2018 and First National Securities since 2015. Outside of her advisory work, she is a business owner of a home-based company that makes and sells bath products, serves as a notary public for the Commonwealth of Virginia, and acts as Financial Secretary on the board of Childrey Baptist Church. 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 advisory and brokerage services through a large network of representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms, with an emphasis on a range of strategies and operational tools.

Brenton Helms is a CFP® and ChFC® with 17 years of experience in the financial services industry. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, investment options, and fiduciary services supported by a nationwide network of more than 23,700 financial advisors.

Brent Bigney is a financial advisor at Raymond James Financial Services Advisors, Inc. with 19 years of industry experience and holds the Series 66 designation. His prior work includes roles at Bank of America and Merrill Lynch, each spanning 11 years. He is also involved in managing Resolute Private Wealth, a firm affiliated with Raymond James, where he dedicates significant time to its operations. 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, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports both individual and institutional portfolios through a large advisor network.

Alan Stayton is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and over 38 years of industry experience. His career includes roles at Wells Fargo Advisors and Boston Harbor Wealth Advisors. Outside of finance, he owns a landscape design business where he assists with planning and supervision. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored non-discretionary planning supported by analytical tools and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Mark Minuto is a CFP® professional with 16 years of experience, currently serving as a financial advisor at Edward Jones since 2010. He holds the Series 66 designation and is based in Bedford, VA. Outside of his advisory role, he has involvement in real estate through several small business activities where he manages property and holds ownership or control positions. Edward Jones is a full-service wealth management firm serving individual and institutional clients nationwide, with over $1 trillion in assets under management. The firm offers a range of advisory strategies, including discretionary and non-discretionary managed solutions, and maintains a large network of advisors and branch offices.

Robert Hoskins is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has over 17 years of experience in the financial services industry, focusing on helping clients accumulate, build, preserve, and distribute wealth. His expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. He holds a Bachelor's Degree from Lynchburg College and a Personal Investment Advisor (PIA) designation. Robert is a member of the Society of the Cincinnati and is involved in community activities, including volunteering with New Covenant Schools. Robert was born and raised in central Virginia and lives on a small farm outside of Lynchburg with his wife and three children. His personal interests include antiquing, chess, fishing, genealogy, horseback riding, music, singing, wood working, spending time with his family, and traveling.

David Midkiff is a financial advisor at Stifel with 11 years of industry experience, holding a Series 66 designation. He has been with Stifel Nicolaus & Co Inc since 2014. Midkiff serves on the board of the Downtown Lynchburg Association and acts as treasurer for the Forest Softball Organization supporting the softball program at Jefferson Forest High School. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Demond Bolden is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior work includes roles at National Life Group, Equity Services Inc, and Merrill. Outside of advising, he serves on the board of directors for the Old City Cemetery/Southern Memorial Association in Lynchburg, VA. LPL Enterprise provides investment advisory and brokerage services to individual and institutional clients, offering access to third-party asset managers and model-driven portfolio implementation. The firm supports a broad client base including high-net-worth investors and employer-sponsored retirement plans.

Mark Brooks is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America Advisors and SECURITIES AMERICA, Inc. Brooks is also president of Personal Design Financial Services, an insurance agency he has operated since 1980. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage, advisory, and financial planning services. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios including stocks, bonds, mutual funds, ETFs, and alternatives, with management options tailored to client preferences.

Brian Burkey is a financial advisor with Edward Jones holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, he worked for ten years at Berkeley International School. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, providing a range of advisory programs and investment strategies supported by a nationwide network of approximately 23,701 financial advisors.

Andrew Kappler is a financial advisor with Edward Jones, holding a Series 66 designation and eight years of industry experience. He has worked concurrently at Lynchburg Nissan since 2008. Outside of his advisory work, he is involved in coaching with the Central VA United Soccer Club. Edward Jones is a full-service wealth management firm serving individual and institutional clients, managing approximately $1.01 trillion in assets. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Patrick Mccray is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has worked at LPL Financial and McCray Financial Group. His background includes multiple roles at Liberty University and Virginia Tech. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Jeremy Marcum is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he provides personalized wealth management strategies tailored to individual client goals. With over a decade of experience in finance, Jeremy helps individuals, families, and businesses build financial strength and stability through transparent guidance and discretionary investment strategies. He leverages Merrill’s resources, model portfolios, and third-party strategies to create balanced portfolios that align with clients’ unique objectives, including areas such as college education planning, family wealth management, retirement planning, tax minimization, and socially responsible investing. Jeremy holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from George Washington High School. He also attended Marshall University without obtaining a degree. Committed to community engagement, he participates in volunteer activities with organizations like United Way. Outside of his professional role, Jeremy enjoys spending time with his wife Heather, their four children, and grandson. His personal interests include baseball, basketball, camping, fishing, football, golfing, music, singing, softball, and family time, all of which inspire his dedication to helping clients secure their financial futures.

Ann Farrar is a Series 66-licensed financial advisor with Wells Fargo Clearing, bringing 12 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a brief tenure at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a range of services including investment research, portfolio diversification, and plan-level investment management.

Brian Baker is a financial advisor with Mass Mutual Investors Services in Lynchburg, VA, holding Series 65 and Series 66 licenses and 23 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2007. Outside of his advisory role, he is president of Baker Capital Partners, LLC, an entity involved with farmland development for a personal residence. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs utilizing firm-approved tools to support collaborative client engagements.

Bruce Light is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and over 42 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved in agricultural operations, overseeing his family's farm activities and managing livestock-related businesses in Virginia. Wells Fargo Clearing provides retirement plan consulting services 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 incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Morrison is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and eight years of industry experience. Prior to joining Raymond James, he worked at Bank of America and Merrill Lynch. Outside of his advisory role, he is a part-time assistant coach for a local hockey team. 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, pension plans, corporations, and institutions. The firm uses risk profiling and analytical tools to tailor non-discretionary planning and consulting to client goals.