Frank Smith is a financial advisor at Cetera with 37 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Voya Financial Advisors, Bank of America, and Merrill. Outside of his advisory role, he is also an independent insurance agent and serves as President and CEO of Sphinx Financial Group. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services, utilizing a multi-manager platform with various program options and notable scale, managing over $256 billion in assets.

Noah Scruggs is a CFP® professional with seven years of experience in financial advising. He currently works at Ameriprise and previously held positions at Raymond James Financial and Davenport and Company. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Michael Keating is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in retirement income planning. He focuses on helping clients ensure their income remains sufficient to maintain dignity and independence throughout retirement. His approach emphasizes creating long-term financial strategies paired with disciplined adherence to those plans across varying market conditions. With more than 30 years of experience in the financial services industry, Michael began his career as an institutional broker with several Wall Street firms in New York City. He later worked as a financial consultant for individuals and contributed to starting a market making and equity trading desk at a boutique investment firm. Currently, he works closely with clients to address retirement income challenges and navigate financial implications of life transitions. Michael holds a Bachelor of Science degree in Finance from Boston College and is a Personal Investment Advisor (PIA). He is involved in the Boston College Alumni Association and has contributed to his community as a youth baseball and basketball coach in Williamsburg, VA. Outside of work, he enjoys fishing, golfing, music, traveling, and watching movies.

Larry Golub is a financial advisor with Morgan Stanley in Williamsburg, VA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior work includes positions at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, he is involved as an ambassador with AG1 Nutritionals, a retail and online store based in Carson City, Nevada. Morgan Stanley Wealth Management offers advisory services to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and advanced modeling tools, with a wide range of investment and planning programs.

Christina Michelson is a financial advisor at Edward Jones in Newport News, VA, holding a Series 66 designation with two years of industry experience. She previously worked at BayPort Credit Union for six years and Walgreens for three years. Outside of her advisory role, she owns Michelson Travel LLC, a travel agency based in Yorktown, VA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a widespread network of advisors and branch offices across the United States.

Monica Harrison Church is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked at Wells Fargo Clearing and Wells Fargo Advisors LLC in multiple periods since 2014. Outside of her advisory role, she works as a server at Brookse's Bar and Grill in Winfield, WV, and provides temporary employment services through United Talent in Hurricane, WV. Wells Fargo Clearing offers retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, providing both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Robin Wilcox is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he advises on practice issues for Wilcox Eye Center, an eye care business owned by his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mitchell Harry is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2016. He serves on the Finance Committee of the Alexander Graham Bell Association for the Deaf and Hard of Hearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and proprietary research to support its financial advisors.