Joseph Giles is a financial advisor with Primerica Advisors in Newport News, VA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has worked with Primerica Advisors since 2015 and has been involved in roles outside finance, including owning Two Mice Fitness Solutions, LLC as a personal trainer and founding the Buckroe Sharks Wrestling Club, a nonprofit organization. He also serves as a wrestling referee for the Southeastern Wrestling Officials Association. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Joshua Carpenter is a CFP® and holds the Series 66 designation with 10 years of experience in the financial industry. He has been with Edward Jones since 2016 and is based in Hampton, VA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 financial advisors.

William Jarrett is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and the Morgan Stanley Private Bank since 2015. Outside of his advisory role, Jarrett serves on the finance committee of Here for the Girls, a health and welfare organization based in Williamsburg, Virginia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by advanced modeling tools and serves clients through both direct and corporate agreements.

Moses Rosario is a financial advisor at OSAIC with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including The Vanguard Group, JP Morgan Chase Bank, and Wells Fargo. He also serves as a registered assistant at Investors Securities Group, providing assistance with service-related items. OSAIC serves a broad mix of retail and institutional clients and offers integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios, supporting both discretionary and non-discretionary account management.

Daniel Kita is a financial advisor with Raymond James Financial in Williamsburg, VA. He holds the Series 66 designation and has three years of industry experience. Prior to joining Raymond James, his work history includes positions at Woodforest National Bank and TowneBank, among others. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using risk profiling and analytical modeling tools.

Jamel White is a financial advisor with Primerica Advisors in Williamsburg, VA, holding a Series 66 designation and three years of industry experience. His work history includes roles at Fidelity Investments and Primerica Financial Services, as well as part-time involvement in sales of loan products and home-related service referrals through Primerica affiliates. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients with a model-based investment approach supported by third-party asset managers and custodians.

Mary Twigg is a financial advisor with LPL Financial in Williamsburg, VA, holding a Series 66 designation and 28 years of industry experience. She has worked with C & F Bank since 2014 and concurrently with LPL Financial during the same period. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Gary Bonnewell is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. Outside of his advisory work, he participates in public speaking engagements for non-profit organizations and serves on the advisory board of the Hampton Roads Community Foundation. Morgan Stanley Wealth Management provides a broad range of advisory programs and financial planning services to individual and institutional clients, utilizing firm-approved tools and investment committee guidance to support tailored planning solutions.

Jay Gutches is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. He has served in the Air Force Reserve since 2020 as an Air Transportation Load Planning Representative. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm includes a broad range of financial products in its advisory offerings, including insurance-related vehicles and bank deposit sweep options.

William Barnes is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. His prior roles include positions at Pinxter Inc dba "Clowder" and Hawk's Point of View, LLC, as well as work at The Catholic University of America. He also holds trustee and executor responsibilities for several trusts and estates. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, supported by extensive research and a broad range of brokerage and advisory solutions.

Chad Kozoyed is a financial advisor with Raymond James Financial, holding a Series 66 designation and eight years of industry experience. He has been with Raymond James Financial Services Advisory, Inc., Townebank, and Raymond James Financial Services, Inc. since 2018. Prior to this, he worked at Longwood University from 2014 to 2018. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical modeling and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Helen Campbell is a financial advisor with Wells Fargo Clearing in Williamsburg, VA, holding Series 63 and Series 66 credentials and 22 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. Outside of her advisory activities, Campbell has served as co-trustee for her parents and worked as a dog handler for a film production. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, managing approximately $671 billion in assets with more than 14,000 financial advisors.

Michael D'Alessandro is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and bringing six years of industry experience. He has worked with Avantax Insurance Agency and Avantax Advisory Services, and concurrently operates as Director of Operations at Strive Accounting & Tax Solutions, an accounting, bookkeeping, payroll, and tax service firm. D'Alessandro has also maintained a licensed insurance agent role for Allianz Travel Insurance since 2015. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with access to affiliated and third-party managers, supporting discretionary and non-discretionary account structures.

Jill Rondeau is a financial advisor with Primerica Advisors in Newport News, VA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. She has been with Primerica since 2005 and has additional work history with Tent Ox. Outside of advisory services, she is involved in the sale of loan products and home-related services referrals through affiliated companies. Primerica Advisors is a large-scale firm serving individual, corporate, and charitable clients through a wrap-fee asset management program that emphasizes model-delivery strategies managed by third-party asset managers. The firm supports a variety of investment models and delivers advisory services via a broad network of financial advisors.

Richard Overy is a financial advisor with Ameriprise in Williamsburg, VA, holding a Series 66 designation and 28 years of industry experience. He worked at Raymond James Financial Services from 2009 to 2024 before joining Ameriprise. Outside of his advisory role, he serves on the boards of Hospice House of Williamsburg and the Williamsburg Community Foundation, and is Vice Chairman of Advocates for a Live Performance Venue. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Benjamin Ivey Jr. is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Cuso Financial Services, LP and 1st Advantage Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Turner is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Williamsburg, Virginia. He brings over 25 years of experience in the financial industry, having held positions with firms such as Wachovia Securities, SunTrust Investments, and Truist Advisory Services prior to joining Merrill Lynch. His expertise encompasses a range of client focus areas including college education planning, divorce transition planning, family wealth management, legacy planning, retirement income, portfolio management, and small business strategies. Robert earned a Bachelor of Arts degree in Economics with Academic Distinction from the Virginia Military Institute in 1984. He also holds the designation of Personal Investment Advisor (PIA). Residing in Poquoson, Virginia, Robert has been married for more than 35 years and has three adult children and grandchildren. In his personal time, he enjoys fishing, boating, traveling, and spending time with his family and friends.

Jason Rowe is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been employed since 1996. He holds a Bachelor of Science degree in Business Management from Christopher Newport University and serves as a Senior Portfolio Manager. In this role, Jason manages customized discretionary investment portfolios, utilizing his own Personalized or Defined Strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Jason specializes in creating investment strategies focused on tax minimization, long-term growth, asset preservation, and wealth transfer. His client focus areas include family wealth management strategies, legacy planning, and personal retirement planning. He works to align portfolios with clients' financial objectives through tailored design and implementation. Additionally, Jason holds the Professional Investment Advisor (PIA) designation. Outside of his professional responsibilities, Jason has served on the boards of the Middlesex Family YMCA and the Cedar Point Property Owners Association. His personal interests include baseball, basketball, boating, cooking, genealogy, horseback riding, photography, softball, and traveling.

Chase Daknis is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His work history includes roles at Old Point Wealth Management and Alpha One Source. Outside of finance, he has been involved with James River Country Club and operated a lawn care business, 70 X 7 Lawn Care LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers various advisory programs and services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Roy Hargrove is a CFP® with 45 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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 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.