William Phifer is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors 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 grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment searches, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marc Cram is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has also been with Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of his advisory role, he is involved in the hospitality industry as a partner and officer in multiple restaurant and bar ventures in Richmond. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Mary Lorenzi is a financial advisor with Raymond James & Associates in Richmond, VA, holding a Series 66 designation and 10 years of industry experience. She has worked at Raymond James since 2019 and previously at Carter Terry & Co Inc. Lorenzi also owned a rental real estate business managed by a property manager. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients, offering tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program.

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.

Christopher Benonis is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to Edward Jones, he worked at Direct Energy for one year. Edward Jones is a full-service wealth management firm that serves over four million individual and institutional clients, offering a range of advisory and investment solutions supported by a large network of financial advisors and branch offices nationwide.

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.

Michael Sanson is a CFP® with 37 years of experience in financial services, currently affiliated with Cetera. His career includes roles at Virginia Asset Management and Securian Financial Services, among others. He is a partner in a private equity investment LLC and an officer in a sales company outside of the investment industry. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Ashley Hargrove is a financial advisor at Wells Fargo Clearing with 24 years of industry experience and holds a Series 63 designation. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Mark Kim is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials. He has been with Wells Fargo Bank and Wells Fargo Clearing since 2021 and 2025, respectively. Prior to his financial industry roles, he held positions at Instacart, DoorDash, and worked at VCU School of Business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s approach is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services that include investment policy statement preparation, performance reporting, participant education, and plan benchmarking.

Pamela Prescott is a financial advisor at Raymond James & Associates with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a power of attorney for her elderly father's accounts. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a notable focus on public finance and municipal work.

Robert Martin is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at First Citizens Bank and Wells Fargo Bank. 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, utilizing research from Wells Fargo Investment Institute and third-party sources.

Brittany Lester is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and one year of industry experience. Her background includes work in healthcare organizations such as Western Tidewater Community Services Board and several dermatology practices. She is also involved in sales of investment-related products and part-time referrals for home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates with a large network of advisors and offers model-driven investment strategies supported by third-party asset managers and custodians.

Scott Csaky is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at Raymond James since 2018 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and wrap fee advisory programs, with a notable focus on public finance and municipal services.

Karolina Ellis is a financial advisor at Cetera with 10 years of industry experience and holds the ChFC® and Series 63 designations. She has previously worked at Securian Financial Services Inc, Northwestern Mutual Investment Management, and Miller Financial Services. Outside of her advisory role, she was involved with F45 Training for one year. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management services, including access to third-party money managers and model portfolios.

Jeffrey Seth Kaplan is a financial advisor with Morgan Stanley in Richmond, VA. He holds Series 63 and Series 65 credentials and has 37 years of industry experience. He has worked with Morgan Stanley and its Private Bank division since 2009. Kaplan serves on the Investment Committee of the Richmond Jewish Foundation. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not provide individual security recommendations in standalone financial plans.

John Gaines III is a Series 66 credentialed advisor at LPL Enterprise with two years of industry experience. His background includes roles at The Prudential Insurance Company of America and Pruco Securities LLC, along with over a decade of service in the United States Navy. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutions. The firm offers a range of services such as financial planning, access to model wealth portfolios, third-party asset management, and brokerage and insurance products through an integrated platform.

Miranda Bradshaw is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2026. She has been with Fidelity Investments since 2019, progressing through roles including Financial Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Miranda focuses on building trusted relationships with individuals and families to better understand their financial goals and concerns. She employs a thoughtful and collaborative approach to financial planning that adapts to life's uncertainties. No information about Miranda's education, credentials, personal interests, or community involvement is provided.

Evonne Kouri is a financial advisor with Primerica Advisors in Midlothian, VA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has been with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Her other business activities include part-time sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers vetted through an independent consultant and offers a tiered wrap fee structure rather than fixed fees.