Kelsey Beaulieu is a financial advisor at Morgan Stanley with 13 years of industry experience and holds a Series 66 designation. She has worked at Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she serves on the Finance Committee of Covenant Woods, an elder care organization in Mechanicsville, Virginia. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct individual plans and corporate financial planning agreements.

Brian Zirkle is a financial advisor at Stifel with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2016. Stifel serves a broad range of clients, including individuals, institutional clients, charitable organizations, and municipal entities. The firm offers both brokerage and investment advisory services supported by a proprietary methodology developed by its Investment Strategy Group for asset allocation and financial planning.

Kyle Murphy is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. His prior firms include Royal Alliance Associates and Sii. He is involved in an insurance-related business, Murphy Insurance Solutions, in addition to his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual, institutional, and retirement plan clients through a national network of representatives. The firm offers a broad range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

James Kmetz is a CFP®-designated financial advisor with 15 years of industry experience. He is currently with Cetera and has been with the firm since 2019. His prior experience includes roles at First Investors Advisory Services LLC and First Investors Corporation. Outside of his advisory work, he serves as a board member and treasurer for Nest Academy RVA. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program structures, combining discretionary and non-discretionary authorities and access to third-party money managers.

William King Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with LPL Financial since 2003. Additionally, he is a Notary Public, providing notary services for client documents. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and supporting diversified strategies through internal and third-party research.

Timothy Poore is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves as co-trustee for a family trust and holds powers of attorney for family members in investment-related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory approach incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, and acts as an ERISA fiduciary when providing investment advice.

Victoria Cagnon is a financial advisor at RBC Capital Markets with eight years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs with customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Karen Davis is a financial advisor at Wells Fargo Clearing with 9 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she co-owns rental properties in Deltaville, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kristin Anliker is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. She has been involved with Cetera and related entities since 2006 and operates Anliker Financial Management LLC. Outside of her advisory role, she assists in tax preparation for a CPA firm and provides notarial services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diversified investment management and consulting services through a multi-manager platform, supporting a mix of discretionary and non-discretionary account structures.

Divam Mehta is a CFP® and ChFC® credentialed financial advisor with 15 years of industry experience. He has worked at Cambridge Investment Research Advisors, Inc. since 2017 and previously at Invest Financial Corp. from 2010 to 2017. Mehta also serves as president of Mehta Financial Group, LLC, an independent financial services firm. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals using a variety of portfolio management strategies and platform arrangements.

M Polinchock is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 designations and 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 solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marcie Neiger is a Wealth Management Advisor with Merrill Lynch Wealth Management. She is focused on implementing disciplined investment management strategies that involve creating highly defined plans with specific objectives, and working with clients to establish investment portfolios designed to meet those objectives. Marcie’s client focus includes family wealth management strategies, portfolio management services, and retirement income planning. Marcie holds a Bachelor’s Degree from Franklin and Marshall College and has earned the Personal Investment Advisor (PIA) designation. She is actively involved in her community, serving as a board member of St. Johns College High School and contributing to the Yellow Ribbon Fund, an organization supporting wounded, ill, and injured service members, caregivers, and their families throughout recovery. Her personal interests include biking, golfing, hiking, reading, and spending time with her family.

Jared Troutman is a CFP® professional with nine years of industry experience, currently affiliated with LPL Enterprise. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Old Dominion Capital Management, Commonwealth Financial Network, and L.M. Kohn & Company. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management programs, combining advisory services with brokerage and insurance product sales through an integrated platform.

Benjamin Fauber is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank NA. Fauber’s current role at Fidelity began in 2022. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios built from mutual funds, ETFs, and ETPs.

Suraj Gideon is a financial advisor at Charles Schwab with 18 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank SSB and Charles Schwab & Co., Inc. since 2023, following 15 years at Wells Fargo Clearing. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, using multi-asset model portfolios and due diligence on alternative investments.

Catherine Danford is a financial advisor at OSAIC with 29 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Her prior experience includes roles at Royal Alliance Associates, Signator Investors, and John Hancock Mutual Life Insurance Co. She also operates an LLC under the name Capitol Financial Solutions and is involved in researching fixed insurance products such as long-term care and life insurance for clients. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of integrated financial services and uses various analytical tools and third-party platforms to construct and manage customized investment portfolios.

Edward Boze IV is a financial advisor with LPL Financial in Henrico, VA, holding Series 65 and Series 63 credentials and having five years of industry experience. Prior to joining LPL Financial in 2025, he worked at StoneX Advisors Inc. and StoneX Securities Inc. from 2021 to 2025. Outside of advising, he is involved in real estate rental activities through entities such as Roundtuit LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Ralph Saunders Jr. is a CFP® with 30 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016 and has been involved with Chesterfield County Schools since 2004. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Emily Dunstan is a financial advisor at Fidelity with 20 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Suntrust Investment Services and BB&T Investment Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm employs proprietary research, quantitative analysis, and algorithmic portfolio construction, and serves in advisory roles to multiple registered investment companies and fund-of-funds.

Joanne Baker is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding a Series 66 designation and 21 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services primarily to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.