Joshua Haddad is a financial advisor at Thrivent Investment Management with seven years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019 and previously worked at Liberty University from 2016 to 2019. Outside of his advisory role, Haddad is involved in a housing project that provides below-market rental properties to church staff and students. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary portfolio management.

Joey Snyder is a ChFC® credentialed financial professional with 15 years of industry experience. He is currently affiliated with Cetera and has served in various roles including at Minnesota Life Insurance Company and Securian Financial Services. Outside of standard advisory activities, Snyder is involved as an agent and broker at North Star Consultants, focusing on fixed insurance sales. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating over $256 billion in assets with more than 10,000 advisors.

Steven Jancarek is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial goals and develop strategies to support their short-, mid-, and long-term objectives. Steven provides guidance on a range of financial topics, including investing, retirement planning, and saving for unexpected expenses. He also facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Steven holds the Professional Investment Advisor (PIA) designation. He completed his high school education at Varina High School and attended George Mason University without earning a degree. His approach centers on helping clients identify what matters most to them and their families to create tailored financial strategies.

Kyle Geblein is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 credential and seven years of industry experience. He has worked at Ameriprise since 2019 and previously held roles at Capitol Securities Management, Keiter CPA, Middletown Valley Bank, and Randolph-Macon College. Geblein serves as Treasurer on the Board of Directors for Phi Alpha Housing Corporation and is Membership Chair for the Financial Planning Association’s Central Virginia Chapter. Ameriprise provides retirement-income planning services aimed at individuals near or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Nelson Fisher is a Financial Consultant at Fidelity Investments, where he partners with clients to develop and implement personalized financial plans and clear investment strategies tailored to their unique goals. He has been with Fidelity Investments since 2022, progressing through roles including Investment Consultant, Relationship Manager, and High Net Worth Associate before assuming his current position in 2025. Prior to joining Fidelity, Nelson worked as a Client Service Associate at Davenport and Company LLC from 2017 to 2022. His professional experience spans client service and investment consulting within the financial services industry. Outside of his professional work, Nelson enjoys spending time at the beach, engaging in family activities, playing golf, and traveling.

Gloria Ramirez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. She holds the Series 65 and Series 63 designations and has been with Wells Fargo Clearing Services since 2018. Prior to that, she worked at Wells Fargo Bank NA starting in 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Michael Casey is a CFP® and ChFC® with 40 years of industry experience. He is currently with Cetera, where he has worked since 2021, following prior roles at VOYA Financial Advisors and Fidelity Union. In addition to his advisory work, he sells health, disability, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating as a multi-manager platform with diverse program options and over $256 billion in assets under management.

William Barber Jr. is a financial advisor with LPL Financial in Richmond, VA, holding the PFS™ designation along with Series 63 and 66 licenses. He has two years of industry experience and has previously worked at Barber Accounting & Advisory Services LLC, Rescom Real Estate Services LLC, and PBMares, LLP. Barber is also involved in tax preparation and accounting through his firm Barber Accounting & Advisory Services LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management with access to model portfolios and research from various sources.

Joseph Andriano is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works closely with clients to develop personalized financial plans that align with their unique short-, mid-, and long-term goals. His approach emphasizes understanding each client's priorities and perspectives to guide them through wealth planning with clarity and transparency. Joseph specializes in areas including college education planning, equity compensation services, legacy planning, and tax minimization. He serves as a comprehensive resource for investment strategies, retirement preparation, and unexpected financial needs, also facilitating access to Bank of America specialists for additional banking, credit, home financing, and small business solutions. He holds a Bachelor's Degree from Hampden-Sydney College and has earned the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) credential. Outside of his professional work, Joseph enjoys fishing, hiking, skiing, and tennis.

William Rice Jr. is a CFP® professional with 31 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan-specific objectives and risk tolerances.

Ian Coleman is a Series 66-licensed financial advisor with 24 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Truist Advisory Services and LPL Financial. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm offers multiple investment solutions through independent financial professionals, combining proprietary models with access to third-party managers and customized strategy implementation.

Monica Handy is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors before joining Morgan Stanley in 2021. Outside of her advisory role, she owns MJHandy Marketing, Planning & Consulting and Fora Travel, where she acts as a travel advisor. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets and employing structured planning tools without offering individual security recommendations as part of its standalone planning program.

Peter Marotta is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement who meet specific asset criteria. The firm combines research and modeling with tax-efficient strategies to deliver written, non-discretionary recommendation reports through a centralized consulting team, supporting advisors like Marotta in serving clients with substantial investable assets.

Christopher Dennis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and 19 years of industry experience. He worked at TIAA and TIAA-CREF from 2007 to 2020 before joining Wells Fargo Clearing in 2020. Outside of his advisory role, he co-owns a business selling fishing gear and attire. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

William Irby is a financial advisor with RBC Capital Markets, holding a Series 66 license and bringing 12 years of industry experience. He has been with RBC since 2012 and also has experience with City National Bank. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations, offering various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Christin Bonomonte is a financial advisor at Fidelity with 10 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Kestra Financial, LPL Financial, Prudential Insurance, and The Main Street Group. She serves on the board of Forward Foundation RVA, where she contributes to strategic planning and program development to support women through classes, counseling, and family services. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios across various platforms.

Stephen Molinelli is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Main Street Private Advisors, APW Capital, Purshe Kaplan Sterling Investments, and Insight Private Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing various portfolio management strategies and platform arrangements.

Arlen Penfield is a CFP® professional with 18 years of experience in the financial services industry. He is currently with Raymond James Financial Services Advisors, Inc. and has previously worked at TowneBank and Wells Fargo. Outside of his advisory role, he serves as a deacon and member of the finance and investment committee at Salem Baptist Church. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and collaborative client relationships.

Austin Offnick is a financial advisor at LPL Financial with one year of industry experience. Prior to joining LPL Financial, he held various roles in the healthcare and academic sectors, including positions at Atrium Health Wake Forest Baptist and Wake Forest University School of Medicine. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services supported by strategic and tactical model portfolios and research.

Maxim Stupak is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and two years of industry experience. His prior experience includes roles at J.P. Morgan Securities and Wells Fargo NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions backed by research from Wells Fargo Investment Institute and third-party sources.