Arlen Penfield is a CFP® professional with 19 years of experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at TowneBank and Wells Fargo in various capacities over an 18-year span. Outside of his advisory role, Penfield serves as a deacon and member of the finance and investment committee at Salem Baptist Church. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm utilizes risk profiling and analytical modeling to tailor non-discretionary advice aligned with client goals and supports a wide network of advisors and affiliated firms.

Austin Offnick is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Before joining LPL Financial in 2025, he held various roles in healthcare and academic institutions, including positions at Atrium Health Wake Forest Baptist and Wake Forest University School of Medicine. He is currently pursuing additional licenses to become a registered representative. 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, and access to institutional platforms, supported by technology and a broad spectrum of financial activities.

Maxim Stupak is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Bank, J.P. Morgan Securities, and JPMorgan Chase Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from Wells Fargo Investment Institute with third-party analytics to guide its investment approach.

Carlton Brown is a CFP® professional with 28 years of industry experience, currently serving as an advisor at Raymond James & Associates since 2014. He is involved with the finance and investment committee of Discovery United Methodist Church and holds an officer and director position at a family-owned retail pharmacy in Gretna, Virginia. 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, institutions, and charitable organizations, offering financial planning and investment consulting through various advisory programs.

Randall Arnett is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 13 years of industry experience. He worked at Bb&T Securities, LLC from 2013 to 2015 before joining Wells Fargo Clearing in 2016. Outside of his advisory work, Randall is a vocalist and guitarist in a band called SIDECHICK. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

Charlene Harvey is a financial advisor with Merrill in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She has been with Merrill since 2010. Outside of her advisory role, she assists with bookkeeping for a family-owned auto repair business. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Jeffrey Hayes is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing since 2016. Outside of his advisory work, he participates in competitive cooking competitions. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, supported by research from Wells Fargo Investment Institute and third-party databases.

Jamie Mattioli is a financial advisor at Cambridge Investment Research Advisors with 15 years of industry experience. He holds a Series 66 designation and has worked previously at Northwestern Mutual, Wells Fargo, Ameriprise, and Merrill. Outside of his advisory role, he serves as a board member and volunteer for Heart Havens and is an owner and partner of a business entity called Steve.AI. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through independent Financial Professionals, employing a range of investment strategies across multiple platforms.

Martin Miller is a financial advisor with RBC Capital Markets in Richmond, VA, holding Series 63 and Series 65 licenses and having 27 years of industry experience. His prior roles include positions at City National Bank, Truist Advisory Services, Bb&T Securities, and Scott & Stringfellow. He serves as Treasurer of Jewish Family Services and is a board member of the Midlothian Chesterfield Kiwanis Club. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management and tailors strategies based on clients’ Advisory Risk Profiles.

Joy Banner Chatburn is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. Her prior roles include positions at Wells Fargo Advisors, Union Bank & Trust, Lowe’s Home Improvement, and Atlantic Union Bank, where she also serves as a client assistant. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning supported by analytical tools and maintains specialized programs for municipal and public finance clients, as well as employer advisory services.

Sara Vick is a CFP® professional at OSAIC with 18 years of experience in the financial industry. She previously worked at Signator Investors, Inc. for 10 years before joining Royal Alliance Associates, Inc., where she has been employed since 2018. Additionally, she is associated with Heron Creek Advisors, where she serves as a registered assistant. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a range of investment options, utilizing asset-allocation tools, risk-tolerance assessments, and both discretionary and non-discretionary account management.

Taylor Campbell is a Branch Leader at Fidelity Investments, where they lead a team dedicated to wealth planning and helping clients work towards their financial goals. In this role, Taylor focuses on empowering their team to reach their full potential to better serve clients. Taylor has held several positions within Fidelity Investments since 2021, including Financial Consultant, Investment Consultant, and Planning Consultant. Prior to joining Fidelity, Taylor gained experience as an Operations Specialist at Virginia Asset Management and as a Financial Services Representative at MassMutual. Outside of their professional work, Taylor has interests in beach activities, fitness, food, outdoor adventures, parenthood, and traveling.

Daniel Fryer is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2018. His prior experience includes roles at Bb&T Securities and Scott & Stringfellow, Inc. Fryer serves as a trustee and holds power of attorney for family trusts, and he is the president of the Summer Duck Homeowners Association in White Stone, Virginia. 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.

Charise Parham is a financial advisor at Morgan Stanley with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing Services and First Clearing. Outside of her advisory role, she works as an independent contractor for delivery and customer service platforms. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and advanced modeling tools to support client goals.

Wilbur Mc Mullen Jr. is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 credential and three years of industry experience. His career includes roles at Verdence Capital Advisors and First Heritage Mortgage. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations, through a network of independent Financial Professionals. The firm offers financial planning, investment management, and retirement plan advisory using a variety of portfolio management solutions and proprietary model strategies.

Stephen Pitts is a CFP® with 45 years of industry experience, currently advising at OSAIC since 2018. He previously worked at Signator Investors, Inc. and has been associated with State Mutual since 1983. Pitts also operates a sole proprietorship focused on life and health insurance sales and serves as a director of an S corporation. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisors and platforms. The firm provides integrated brokerage and advisory services using asset-allocation tools and third-party managers, offering discretionary and non-discretionary portfolio management and a range of investment options.

Jeffrey Creech is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes roles at U.S. Bancorp Investments and multiple Wells Fargo entities dating back to 2007, as well as prior positions at M.R. Spencer Advisory Services, Grove Point Investments, and FFP Advisory Services. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and provides both brokerage and advisory solutions.

Robert Wood Jr. is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Raymond James & Associates since 2014. 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 municipalities, offering a range of financial planning and advisory services with a predominantly non-discretionary approach.

Ivan Mattox Sr. is a financial advisor with MassMutual Investors Services and holds the Series 66 designation. He has 23 years of industry experience, with prior roles at Wells Fargo Clearing Services, OneAmerica Securities, and other firms. In addition to his advisory work, he serves as president and owner of Mattox Contracting Inc., a general contracting business. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational programs using firm-approved analytical tools and collaborative client relationships.

Anne Bird is a financial advisor with Wells Fargo Clearing in Richmond, VA. She holds a Series 66 designation and has experience working at Bessemer Trust and the University of Virginia. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its Investment Institute with third-party data and uses diversification principles and modern portfolio theory in its investment evaluations.