Julie Holstrom is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 66 designation and has worked at several firms, including PNC and Mass Mutual Investors Services. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lyle Schiavone is a financial advisor with LPL Financial in Williamsburg, VA, holding Series 63 and Series 65 credentials and having 41 years of industry experience. He has been with LPL Financial since 2009 and previously worked at MICG Investment Management, LLC from 2007 to 2009. He is also the sole owner of Williamsburg Financial Group, an S Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Dennis Wilt is a CFP® with 30 years of experience in financial advisory roles. He is currently with Morgan Stanley, having previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and methodologies.

John Pattisall is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley since 2009 and has been with Morgan Stanley Private Bank, National Association since 2015. His credentials include Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and proprietary investment models.

Charles Hartman is a financial advisor with Morgan Stanley in Williamsburg, VA, holding a Series 66 designation and 23 years of industry experience. His prior work includes roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. He serves as a Board Member at Large for the Williamsburg German Club, a local social organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools but generally does not provide individual security recommendations within its standalone planning services.

Brady Rouse is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and previously worked at Raymond James Financial and TowneBank. Outside of his advisory role, he serves as a sergeant and team leader in the North Carolina National Guard, focusing on disaster relief efforts. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable range of financial products including insurance-related vehicles and bank deposit sweep options.

Erik Chaikin is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2002. He focuses on providing individualized financial and investment strategies tailored to each client's unique goals. Erik’s approach centers on building long-term relationships through personalized guidance and comprehensive wealth management services. With over 25 years of experience, Erik specializes in wealth accumulation, preservation, and transfer. He offers expertise in retirement planning, estate planning, tax minimization, corporate cash management, business transition planning, and portfolio management. Erik holds the Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), and Retirement Benefits Consultant designations, among others. He also provides fiduciary advisory services for defined contribution plans with assets of $10 million or more and manages personalized discretionary investment strategies. Erik earned a Bachelor’s degree from James Madison University. He is involved in his community through organizations such as Meals On Wheels and Habitat For Humanity and is affiliated with Bruton Parish Church. He resides in Williamsburg, VA, with his wife, Emily, their two sons, and their dogs.

James Finney III is a ChFC® credentialed financial advisor with 38 years of industry experience. He has been with MML Investors Services, Inc., a subsidiary of MassMutual, since 1987. In addition to his advisory role, he is also a licensed agent involved in life and health insurance. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing ongoing financial planning and asset management services. The firm employs firm-approved analytical tools and offers a variety of programs including educational seminars, divorce planning, and estate settlement.

Jennifer Daknis is a financial advisor with LPL Financial in Williamsburg, VA, holding Series 63 and Series 65 licenses with 27 years of industry experience. She has worked at LPL Financial since 2009 and was previously with MICG Investment Management, LLC for eight years. Outside of advisory work, she is involved in non-variable insurance including life, health, long-term care, and fixed annuities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools and a broad platform including affiliated insurance and banking services.

John Martin Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 48 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2010 to 2016. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Albert Haskins is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with 1st Advantage Credit Union and CUSO Financial Services, Lp prior to joining LPL Financial. Outside of his advisory role, he is the head boys basketball coach at Bruton High School in Williamsburg, VA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a wide range of investment strategies.

Shannon Crank is a financial advisor with Raymond James Financial Services Advisors, Inc. in Williamsburg, VA, holding a Series 66 designation and 25 years of industry experience. Prior to joining Raymond James in 2009, Crank worked at Citigroup Global Markets, Legg Mason Wood Walker, and Merrill. Outside of his advisory role, he is an associate at Legacy Financial Group LLC, where he supports operational and cashiering duties. 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, pension plans, corporations, and institutional clients. The firm delivers tailored, non-discretionary planning and investment consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Connor Ware is a financial advisor with LPL Financial in Williamsburg, VA. He holds a Series 66 designation and has recently begun his career in the industry. Prior to joining LPL Financial, Ware has experience with the Williamsburg Financial Group and has been involved with the Boys and Girls Club of the Virginia Peninsula and Southwest Virginia. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of financial planning and investment management solutions with a focus on customized strategies and technology-supported research.

Travis Collins is a financial advisor at Edward Jones in Williamsburg, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked for Deloitte for two years and served in the United States Army for ten years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a variety of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and tax-efficient services.

Thomas Mowry is a financial advisor with Raymond James Financial in Williamsburg, VA, holding a Series 66 designation. He has been with Raymond James Financial since 2026 and has prior experience at Legacy Financial Group and ATI. Outside of finance, he was involved with the Colonial Williamsburg Fife and Drum from 2014 to 2016. 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 employs tailored, non-discretionary planning and consulting using analytical tools such as risk profiling and probability modeling, and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Vicki Smith is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. Outside of her advisory role, she serves as a trustee for her sister. 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 a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Dede Ganzer is a financial advisor at OSAIC with seven years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Securities Corporation and First Command Advisory Services, among other firms. Outside of advising, she owns and operates ONLY FINANCE, LLC, which sells accident, health, disability insurance, fixed annuities, and traditional life insurance. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, advisory, and financial planning services. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Jim Gravgaard is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Infinex Investments, Essex Bank, and Truist Investment Services. He is also involved with Virginia Insurance Agency Solutions, a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a wide range of financial planning and investment management services. The firm supports its advisors with model portfolios, third-party asset management, and advisor-facing technology tools.

Harold Lewis Jr. is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 43 years of industry experience. He has worked at Cetera since 2021 and has been the president and owner of Harwood & Garrett, Inc., a fixed insurance and property & casualty services firm, since 1994. Lewis serves as vice president on the board of Williamsburg Office Park, where he oversees vendor contracts and facility activities. Cetera Investment Advisers LLC is an SEC-registered firm providing a multi-manager platform that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers with over $256 billion in assets under management.

Kevin Mallory is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Mass Mutual Investors Services, MassMutual Life Insurance Company, Edward Jones, and M. Price Distributing Company. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with technology and operational tools across a broad client base.