Coty Heiser is a financial advisor at Wells Fargo Clearing with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing Services since 2016, also working with Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Paul Kelly is a financial advisor at OSAIC with 23 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at F3Logic, LLC, Independent Financial Group, LLC, and National Planning Corporation. Outside of his advisory role, Kelly serves as power of attorney for his parents, managing their financial affairs and insurance benefits. OSAIC serves a wide range of clients including individuals, high-net-worth investors, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using asset-allocation tools and third-party platforms to manage diversified portfolios on both discretionary and non-discretionary bases.

Samuel Price Jr. is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 credentials and 39 years of industry experience. His prior roles include positions at Securities America Advisors, Inc., VOYA Financial Advisors, and SSN Advisory Inc. He is also the owner of Price Financial Services, an insurance-related business. Osaic Wealth, Inc. serves retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to various managed-account solutions. The firm employs asset-allocation tools and risk assessments to construct portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.

John Williams is a financial advisor with RBC Capital Markets in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with RBC Capital Markets since 2010. Williams has also served as an independent contractor arbitrator in FINRA dispute resolution. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Kathleen Thompson is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds the CFP® designation along with Series 65 and Series 63 licenses. Prior to joining Morgan Stanley in 2022, she worked at Davenport & Company LLC for nine years and World Capital Advisors, LLC for three years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary market models in its financial planning process.

Mark Wolf is a financial advisor at Wells Fargo Clearing with a Series 66 designation and two years of industry experience. His prior roles include positions at Fannie Mae and Freddie Mac, as well as running Wolf Consulting LLC. Outside of his advisory work, he is a partial owner of an investment-related LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Anne Marie Carlson is a financial advisor at Edward Jones in Midlothian, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, she worked at CoStar Group and United Therapeutics, and has a history of involvement with Wyonegonic Camps. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory strategies supported by a large network of financial advisors and a diverse set of affiliated services.

Kenneth Moorefield III is a CFP® professional with 13 years of experience in financial advising. He is currently with Raymond James Financial and previously worked at Edward Jones for 11 years. He also serves as President of Moorefield Wealth Management, an independent wealth management and financial planning firm. 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 employs tailored, non-discretionary planning and uses advanced analytical tools to support client goals.

John Delandro III is a Senior Financial Advisor at Merrill Lynch Wealth Management, focusing on providing financial services to physicians, business owners, and high-income professionals. He collaborates closely with clients to develop investment solutions that align with their unique objectives and goals, emphasizing a high level of client service and timely market updates. John's expertise includes corporate benefits, executive compensation, family wealth management strategies, legacy planning, and retirement income among other areas. He prioritizes helping extraordinary families transform their wealth into enduring legacies through disciplined stewardship and generational development, ensuring that each generation inherits not only financial resources but also wisdom, responsibility, and leadership. He holds a Bachelor's and a Master's degree from Saint Leo College and carries the Personal Investment Advisor (PIA) designation. His community involvement includes participation in the Henrico Education Foundation, the Rotary Club of Richmond, and the Virginia Passenger Rail Authority. Prior to his financial advisory career, John served 21 years as a Senior Noncommissioned Officer in the U.S. Army.

Jane Jenkins is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as Vice President of Finance-Treasurer for The Woman's Club of Richmond. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, delivering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and offers a wider range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kathryn Smith is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 13 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Gaurav Shrestha is a CFP® with 22 years of industry experience, currently serving at Cetera since 2023. He has a long tenure at Select Brokers, LLC and Virginia Asset Management, where he is an owner offering securities, advisory, and insurance services. Outside of his advisory roles, Shrestha serves as a board member of the Salisbury Country Club. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management and financial planning services, utilizing both affiliated and third-party managers across discretionary and non-discretionary program structures.

Al Morris is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2020, progressing through positions including Investment Consultant, Relationship Manager, and Financial Representative. In his work, Al focuses on developing financial plans that align with clients' individual stories and experiences. He emphasizes the importance of trust and comfort in client relationships and continuously seeks to deepen his understanding through ongoing development and collaboration with colleagues. Outside of his professional role, Al has interests in baseball, fitness, hiking, horseback riding, running, and traveling.

Latosha Wilkerson is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she works as a fitness instructor at Gold's Gym and a fitness coach at Boho Cycle Studio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and advanced modeling tools in its financial planning approach.

Kenneth Sizemore is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2009. Outside of his advisory role, he serves as a Church Elder and Investment Committee Board Member for Second Presbyterian Church of Roanoke, Virginia. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling.

Joseph Taylor is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at Virginia Asset Management, Minnesota Life, and Securian Financial Services. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Vickie Crawford is a financial advisor at Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 designations with 24 years of industry experience. Her prior roles include positions at Financial Engines Advisors, EF Legacy Securities, and Edelman Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and provides financial plans through direct and employer-based arrangements.

Fredric Macholz is a financial advisor at Wells Fargo Clearing in Richmond, VA, with 36 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves on the board of Atlantic Medical Solutions, assisting with marketing and productivity. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Dickerson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 1999 as a Financial Advisor and is part of the Dickerson & Tootle Group, which focuses on delivering comprehensive wealth management services to individuals, families, corporate retirement plans, and non-profit organizations. The group emphasizes a hands-on and holistic approach to financial guidance. Richard holds several professional designations including the CERTIFIED FINANCIAL PLANNER™ (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He completed his bachelor's degree at George Mason University. Prior to his career in financial advising, Richard served as an International Trade Specialist with the U.S. Department of Commerce and was on active duty in the Military Intelligence branch of the U.S. Army as an Interrogator. He is multilingual, speaking Russian, Serbo-Croatian, and English. Richard resides in Powhatan with his wife Kathryn and their two sons, and they are involved in various community organizations. His personal interests include fishing, hunting, music, spending time with his family, and traveling.

George Krohn IV is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, N.A., and UBS since 2013. Based in Richmond, VA, Krohn has spent the past four years at UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, providing access to proprietary research and a variety of capital markets and lending solutions.