Chad Lehr is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He previously worked at MML Investor Services, LLC and Massachusetts Mutual Life Insurance Co for 11 years before joining Cetera. Outside of his advisory role, he owns chadlehr.com and continues to renew existing life, health, disability, and long-term care insurance business on a limited basis. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of investment programs and access to both affiliated and unaffiliated managers, managing over $256 billion in assets through more than 10,000 advisors.

Karis Cox is a Senior Financial Advisor at Merrill Lynch Wealth Management. She focuses on providing clients with customized financial strategies that address their unique goals and priorities. Her approach involves a thorough assessment of clients’ current situations, objectives, concerns, and timelines to develop personalized wealth management plans. Karis specializes in areas such as executive compensation, family wealth management, legacy planning, philanthropic planning, personal retirement planning, tax minimization, and portfolio management. She also provides services tailored to endowments, foundations, non-profits, small businesses, and women and wealth. Karis holds a Bachelor's Degree from Roanoke College and maintains professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

George Hamby is a financial advisor with LPL Financial in Glen Allen, VA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Momentum Independent Network Inc., Capital Securities Management, Inc., Anderson & Strudwick, Incorporated, and A&S Capital Advisors, Inc. 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 portfolio programs, third-party asset management, and institutional platforms, supported by research tools and a broad network of investment adviser representatives.

Robert Morris is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and 28 years of industry experience. Prior to joining Raymond James in 2021, he worked at Truist Advisory Services and Bb&T Securities. He is a member of the West Richmond Businessmens Association, a local social and networking group for business professionals. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and charitable organizations. The firm offers customized financial planning and non-discretionary investment consulting, drawing on a range of portfolio management styles and affiliated research.

Hayden Kierl is a financial advisor with Fidelity, holding Series 63 and Series 66 licenses and eight years of industry experience. He previously worked at The Vanguard Group for five years and has been with Fidelity Investments since 2022. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm’s investment process combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs, with a focus on systematic methodologies and long-term asset allocation.

Brady Smith is a financial advisor with LPL Financial in Richmond, VA, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at Primis Bank, Virginia Asset Group, Sona Bank, Infinex Investments, and Wells Fargo Clearing. He also serves with the Richmond Fire Department. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports advisors with diverse investment strategies, third-party asset management, and institutional platforms.

Byron Shea is a financial advisor at Ameriprise with three years of industry experience. He holds the Series 66 designation and previously worked at Verizon Wireless and Sherwin Williams. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Michael Morelock is a financial advisor at LPL Financial with 31 years of industry experience. His career includes previous roles at OSAIC Institutions, Inc., Wells Fargo Clearing, and Wachovia Securities, Inc. He holds Series 63 and Series 65 licenses. 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 financial planning and investment management services through a large network of advisors, utilizing various portfolio strategies and technology tools.

Christine Lovell is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 registrations and bringing 29 years of industry experience. She has been with Wells Fargo Clearing and related entities since 2014. Outside of her advisory role, she has ownership interests in two food-related businesses in Virginia: a food cart called Poppa'Z Lunchbox and a retail store named Poppa's Mini Mart. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services supported by proprietary research and tools, catering primarily to clients meeting a net-worth threshold.

Kendall Benner is a CFP® professional with two years of industry experience currently affiliated with Raymond James Financial. Benner has held roles at various entities including Concentric Wealth Partners and Raymond James Financial Services Advisors, Inc. Outside of advisory work, Benner is involved with Concentric Wealth Partners, a support company based in Glen Allen, VA. 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, and institutional entities. The firm employs analytical tools such as risk profiling and probability modeling to tailor non-discretionary planning and consulting to client goals.

Austin Pierce is a financial advisor at Edward Jones in Richmond, VA, holding CFP® and Series 66 credentials with seven years of industry experience. His prior work includes roles at Anchor Insurance Group, Virginia Tech Recreation Sports, and CRH Catering. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs, including managed solutions, separately managed accounts, and affiliated mutual funds, supported by a large national network of financial advisors and branch offices.

Jason Blount is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. Jason is the owner of Cold Harbor Financial, a support company based in Mechanicsville, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports clients through advisory programs and institutional consulting.

William Garter is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wachovia Bank, N.A. He has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a discretionary 3(38) option, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

William Phifer is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and 34 years of industry experience. His career includes roles at Wells Fargo Advisors LLC and Wachovia Securities, Inc. He has been with Wells Fargo Clearing since 2016. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Marc Cram is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, Legg Mason Wood Walker, and Davenport & Company LLC. Outside of his advisory work, he is involved as a partner and officer in several Richmond-based businesses, including retail and restaurant ventures. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning solutions. The firm offers services supported by proprietary planning tools and investment research, managing approximately $2.74 trillion in client assets.

Mary Lorenzi is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds a Series 66 designation and has previously worked at Carter Terry & Co Inc and was involved with Hot Yoga MV. Outside of advisory work, she is the owner of a rental real estate property managed by a third party. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients, including high-net-worth individuals, institutions, and municipal entities. The firm offers tailored financial planning and consulting services, supported by extensive research and a variety of portfolio management options.

Geoffrey Barnhouse is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he worked at Ricoh US for eleven years and has experience in other roles including at Peter Blair Accessories and Virginia Commonwealth University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides detailed recommendation reports and ongoing advice focused on income stability and tax-efficient withdrawal strategies.

Ashley Costanzo is a financial advisor with UBS Financial Services in Richmond, VA, holding Series 63 and Series 66 designations and with 10 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management and provides proprietary research and a broad range of capital markets services.

Derek Braxton is a financial advisor at Wells Fargo Clearing with a Series 66 designation and no prior industry experience. His previous roles include positions at UIC Bowhead, Falconwood Inc., LMI, and service in the Virginia Army National Guard. 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 employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Weslie Green Mineart is a financial advisor with Ameriprise in Richmond, VA, holding Series 63 and Series 65 licenses and 16 years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Outside of her advisory role, she owns a business called The Lady Gang and serves on the Board of Directors for the Central Virginia Financial Planning Association as Forum Committee Chair. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.