Andrew Foldenauer is a financial advisor with RBC Capital Markets in Richmond, VA, holding Series 63 and Series 66 licenses and having 25 years of industry experience. He has worked at RBC Capital Markets since 2008 and at City National Bank from 2020 to the present. Foldenauer serves on the board of the Virginia Mentoring Partnership and is president of the Midlothian Rotary Club. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, and charitable clients with tailored investment strategies, offering discretionary and non-discretionary portfolio management, financial planning, and brokerage services through a variety of advisory programs.

Todd Larkin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is the owner of Stuart Ave LLC, a rental property business in Richmond, VA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. 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.

Andrew Jones is a financial advisor at Cetera with the Series 66 credential and less than one year of industry experience. He studied at The Virginia Military Institute and held prior roles at Taziki's Mediterranean Cafe. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party money managers through a multi-manager platform that includes discretionary and non-discretionary program structures.

S Dunbar is a financial advisor at Morgan Stanley with 39 years of industry experience. He has held positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets from 1999 to 2009. He holds Series 63 and Series 65 designations. 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 employs a structured planning process using proprietary tools and delivers a broad range of investment and financial products.

Rebecca Baughman is a financial advisor at Ameriprise with 21 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2016. Outside of her advisory role, she is involved in real estate ownership unrelated to her investment practice. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice.

Robert Kaltenschnee is a financial advisor at Merrill with 17 years of industry experience. He holds a Series 66 credential and has worked previously at Truist Advisory Services, Truist Investment Services, Bb&T Securities, and Scott & Stringfellow. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to a range of individuals and institutions.

Ryan Heltemes is Vice President and Branch Leader at Fidelity Investments, where he currently leads a team dedicated to wealth planning and helping clients achieve their financial goals. He emphasizes fostering a team environment focused on ethical service and continuous personal development. Ryan's career in financial services began in 2015 at Charles Schwab, where he worked as a Financial Services Professional and later as a High Net Worth Specialist. He joined Fidelity Investments in 2016, holding roles including Investment Consultant, Financial Consultant, Vice President and Financial Consultant, Assistant Branch Leader, and ultimately Vice President and Branch Leader. Throughout his tenure, Ryan has accumulated extensive experience in wealth planning and financial consulting. Additional details on his education, credentials, personal interests, or community involvement have not been provided.

Michael Ramkey Jr. is a financial advisor at Fidelity with six years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones and Cornerstone Senior Services LLC. Ramkey’s current role at Fidelity began in 2021. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to various clients, including retail and institutional investors. The firm employs a blend of fundamental research and quantitative analysis to construct model portfolios using mutual funds, ETFs, and ETPs, and serves roles such as commodity pool operator and advisor to multiple registered investment companies.

Mary Ashby is a financial advisor with Primerica Advisors in Ashland, VA, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 1997. Outside of her advisory role, she owns Your Money GPS, LLC, a business formed to support her Primerica activities. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates on a large scale with thousands of advisors and offices, delivering model-driven investment strategies supported by third-party managers and custodians.

Nicholas Osborne is a financial advisor with Equitable Advisors based in Richmond, VA, holding a Series 66 designation and three years of industry experience. He previously worked at Prudential Financial Advisers and spent nine years at Parham's Service Center, Inc. Outside of advisory work, he is involved as a sales associate with Realty Benefit Services, focusing on tax account program sales. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, institutional clients, and organizations. The firm uses a network of Investment Adviser Representatives and a range of third-party investment programs to tailor advice and portfolio management to client needs.

Severiano Garcia Corradi is a financial advisor at Merrill with one year of industry experience and holds the Series 66 designation. His prior work includes roles at Myers Park Country Club, Augusta National Golf Club, and Compass Real Estate. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Robin Colton is a financial advisor at LPL Financial with 26 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 18 years and spent two years at Private Client Services before joining LPL Financial in 2025. He holds the Series 66 designation. 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, including access to model portfolios, third-party asset managers, and institutional platforms.

Joshua Haddad is a financial advisor at Thrivent Investment Management with seven years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019 and previously worked at Liberty University from 2016 to 2019. Outside of his advisory role, Haddad is involved in a housing project that provides below-market rental properties to church staff and students. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary portfolio management.

Joey Snyder is a ChFC® credentialed financial professional with 15 years of industry experience. He is currently affiliated with Cetera and has served in various roles including at Minnesota Life Insurance Company and Securian Financial Services. Outside of standard advisory activities, Snyder is involved as an agent and broker at North Star Consultants, focusing on fixed insurance sales. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, operating over $256 billion in assets with more than 10,000 advisors.

John Duni is a financial advisor with Cetera, holding the ChFC® designation and Series 63 license, with 49 years of industry experience. He has worked at several firms including Virginia Asset Management and Securian Financial Services. He serves as an officer and board member of the NAIFA Virginia and the Richmond Estate Planning Council, organizations focused on professional education and networking in the financial and estate planning fields. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to multiple third-party money managers through a multi-manager platform.

Tammy Edwards is a financial advisor with Edward Jones in Midlothian, VA, holding a Series 66 designation and bringing five years of industry experience. She has been with Edward Jones since 2015. Outside of her advisory role, she serves as Vice President of a local BNI chapter in Richmond, assisting with membership and supporting the President. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Steven Jancarek is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial goals and develop strategies to support their short-, mid-, and long-term objectives. Steven provides guidance on a range of financial topics, including investing, retirement planning, and saving for unexpected expenses. He also facilitates access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Steven holds the Professional Investment Advisor (PIA) designation. He completed his high school education at Varina High School and attended George Mason University without earning a degree. His approach centers on helping clients identify what matters most to them and their families to create tailored financial strategies.

Amberlyn Ponce is a financial advisor with Fidelity, holding a Series 66 designation and six years of industry experience. Her professional background includes roles at Henderson Financial Group, LPL Financial, and First Command Insurance Services. Outside of her advisory work, she serves as a partner managing rental property activities alongside her husband. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios across various investment vehicles.

Kyle Geblein is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 credential and seven years of industry experience. He has worked at Ameriprise since 2019 and previously held roles at Capitol Securities Management, Keiter CPA, Middletown Valley Bank, and Randolph-Macon College. Geblein serves as Treasurer on the Board of Directors for Phi Alpha Housing Corporation and is Membership Chair for the Financial Planning Association’s Central Virginia Chapter. Ameriprise provides retirement-income planning services aimed at individuals near or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Elizabeth Miller is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. Her career includes roles at Cambridge Investment Research Advisors, Rossby Financial, and Bulls Financial Group. She is president of Visionary Financial, a business valuation firm, and is involved with the Two Twelve Referral Network, which supports local small businesses. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.