Debra Wachter is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at Cetera. She has previously worked at Concourse Financial Group Securities Inc and First Financial Services, among other firms. In addition to her advisory role, she is involved with Park View Federal Credit Union, offering a range of financial products and services. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors, serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides diverse portfolio management and financial planning services through a multi-manager platform with over $256 billion in assets under management.

Marshall Kiser is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 26 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 serves as a finance committee member at Memorial Baptist Church in Staunton, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Katherine Mumaw is a financial advisor with Ameriprise in Harrisonburg, VA, holding a Series 66 designation and seven years of industry experience. She has been with Ameriprise since 2014, including her current role since 2020. Outside of her advisory work, she is a co-owner of YGB Operations LLC, a business unrelated to investments. Ameriprise provides retirement-income planning services primarily for clients with at least $1,000,000 in net investable assets, delivering written recommendations that address income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines algorithmic tools with advisor oversight and offers a broad range of advisory, brokerage, and insurance solutions.

Michael Bowen is a financial advisor with Ameriprise in Rockingham, VA, holding a Series 66 designation and 23 years of industry experience. He has worked with Ameriprise since 2020 and previously spent 18 years at American Express Financial Advisors Inc. Bowen also owns GreenBush, LLC, which manages the back-office operations of his practice. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm delivers these services through a centralized consulting team and emphasizes the use of affiliated funds and managed accounts.

Katherine Crow is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she owns and operates a farming business, Aleta Springs Farms, raising cattle and sheep for meat and wool, and serves on the boards of the Mid Atlantic German Shorthaired Pointer Rescue and the Augusta County Historical Society. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Randall Nutter is a Series 66-licensed financial advisor with 26 years of industry experience, currently affiliated with LPL Financial since 2023. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors from 2015 to 2023. Outside of his advisory role, he is employed by Sherwin Williams in a non-investment-related position. 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 representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Coleman Showalter is a financial advisor with Cambridge Investment Research Advisors, holding Series 66 and Series 63 licenses and 11 years of industry experience. He previously worked at James River Advisory, Inc. and Concorde Investment Services, LLC. Outside of advisory work, he owns Rocktown Marketing Agency, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals using various custody platforms and both proprietary and third-party investment strategies.

Lindsay Stroupe is a Series 66-registered financial advisor at Edward Jones with two years of industry experience. She has been with Edward Jones since 2024. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices across the country.

Daniel Grandstaff is a CFP® with 34 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC. In addition to his advisory work, he is the author of the book *The Jesus Disruption* and owns a publishing company, Outlander Publishing LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third parties.

Glen Kauffman is a financial advisor at Cetera with 30 years of industry experience. He holds the ChFC® designation, as well as Series 63 and Series 65 licenses. Prior to joining Cetera, he worked at Concourse Financial Group Securities Inc and Everence Trust Company. Kauffman also provides financial planning and charitable planning services through Everence Trust Company, a federally chartered savings bank. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and planning services through a multi-manager platform that accommodates both discretionary and non-discretionary strategies.

Gregory Owen is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 66 licenses and has 22 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016 and has prior experience at Concorde Investment Services and Concorde Asset Management. Outside of his advisory work, he is an author, educator, podcast host, and speaker. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of portfolio management options, including proprietary and third-party model strategies, with investment implementation tailored to client objectives.

Sarah Sunde is a financial advisor at Thrivent Investment Management with three years of industry experience. She holds a Series 66 credential and has been with Thrivent and its related entities since 2022. Prior to her advisory career, she spent sixteen years at James Madison University and took time as a stay-at-home mom. Outside of her advisory role, she serves on the boards of the Harrisonburg Education Foundation and the Shenandoah Valley Children's Choir, and is the treasurer of Muhlenberg Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across a broad range of topics without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option.

Steven Brunk is a financial advisor with Cetera, holding the ChFC® designation and bringing 29 years of industry experience. He has been with Cetera since 2025, following a long tenure at Concourse Financial Group Securities Inc. Brunk also manages his own financial planning and insurance businesses under the LD&B Financial Group and LD&B Insurance Agency brands. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management and financial planning services through a multi-manager platform combining affiliated and third-party investment strategies.

Amar Gogia is a financial advisor at Wells Fargo Clearing with 9 years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones and Centurion Solutions Group. Outside of his advisory role, he is involved in passive monitoring and progress meetings for local housing projects in Rockingham, VA. 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.

Philip St Jean is a financial advisor at Ameriprise with a Series 66 credential and two years of industry experience. His prior positions include roles at WayMont Wealth, ArkWise Wealth, and Hefren-Tillotson Inc. He has also been involved with the Institute for Faith and Freedom and the Mercatus Center at George Mason University. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kelly Burkholder is a financial advisor with Ameriprise in Harrisonburg, VA, holding Series 63 and Series 65 credentials and 18 years of industry experience. Burkholder has been with Ameriprise since 2013. Outside of financial advising, Burkholder operates Solutions to Empower, LLC, a business engaged in non-investment-related activities. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s approach combines proprietary research, third-party data, and algorithmic tools within a defined investment universe influenced by its affiliated product ecosystem.

Matthew Frakes is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has worked at Wells Fargo Clearing since 2018 and previously was employed at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2018. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and based on modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Judith Leeth is a Series 66-credentialed financial advisor with eight years of industry experience. She currently works at LPL Enterprise and previously worked at Ameriprise Financial Services and Ameriprise. Outside of her advisory role, she is an author and a musician in the band Tim & Mandy Music, Revival. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management programs, and a range of brokerage and insurance products.