John Garthaffner is a financial advisor with Ameriprise in Chesterfield, VA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Ameriprise and its affiliate since 2010. Ameriprise offers a retirement-income planning service for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to produce written recommendation reports delivered through a centralized consulting team.

Brad Swartzwelder is a financial advisor with Ameriprise in Midlothian, VA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in several business activities including operating an S-Corp for payroll and managing marketing and advertising ventures. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets. The firm provides written recommendation reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies, supported by a centralized consulting team using research, modeling, and algorithmic tools to generate tailored advice.

Kyle Lowe is a Series 66-licensed advisor at Cetera with one year of industry experience. Prior to his current role, he worked at Triumph NIL and Virginia Tech. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes multiple program structures and investment strategies.

Jesse Wolfe is a financial advisor at Cetera with seven years of industry experience. He holds the Series 66 designation and has previously worked with Securian Financial Services Inc. and Virginia Asset Management, where he is also involved in operational support. Outside of advising, Wolfe participates in a real estate business venture in Richmond, VA. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and planning services, with a multi-manager platform that includes affiliated and third-party managers, supporting various program structures and investment strategies.

Ryan Modi is a financial advisor with Cetera, holding the CFP® designation and Series 66 license, and has 12 years of industry experience. He has worked at Virginia Asset Management since 2014 and joined Cetera in 2023. Modi is also an insurance agent, selling life, health, disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Dorothy Allen is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She previously worked at Lincoln Financial Advisors Corp for 16 years and has been associated with Penn Mutual Life Insurance Company for over two decades. Outside of her advisory role, she is involved in owning a real estate entity unrelated to investment and operates an insurance business offering various health and life insurance products. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services with a portfolio construction approach that includes asset allocation tools, risk-tolerance assessments, and access to third-party money managers.

David Perry is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2026. He has been leading and coaching a team of financial professionals focused on financial planning and relationship building. Prior to his current role, he served as Branch Leader at Fidelity Investments from 2023 to 2026 and Team Leader for Workplace Planning and Advice from 2021 to 2023. David's professional experience includes roles as Vice President Financial Consultant and Associate Financial Consultant at Charles Schwab, and multiple positions at Fidelity Investments starting in 2015, including Workplace Planning and Guidance Consultant and Financial Associate. He began his career as a Financial Services Representative at State Employees Credit Union in 2014. No information on his education, credentials, personal interests, or community involvement has been provided.

Emily Woods is a financial advisor with Ameriprise in Powhatan, VA, holding a Series 66 designation and seven years of industry experience. She has been with Ameriprise since 2019 and previously worked at Clear Advantage Enterprises Inc for five years. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, using a centralized consulting team to deliver non-discretionary, research-based recommendations. The firm combines modeling, tax-efficiency analysis, and algorithmic tools to support retirement income strategies, emphasizing asset management within Ameriprise accounts.

Andrew Jeretina is a financial advisor at Edward Jones in Midlothian, VA, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.