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.

Robert Wilson Jr. is a CFP® credentialed financial advisor with 10 years of industry experience, currently affiliated with LPL Financial in Williamsburg, VA. He has been associated with LPL Financial and C&F Wealth Management since 2015. His other business activities include acting as an insurance producer with Ash Brokerage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Nick Louridas is a CFP® and ChFC® with 18 years of experience in the financial services industry. He currently works at Wells Fargo Clearing and has previously held roles at PNC Private Bank, Mass Mutual Investors Services, and PNC Investments. Outside of his advisory work, he serves as Treasurer and leads the Finance Committee at the Virginia Museum of Contemporary Art. 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 IPS-driven approach incorporates modern portfolio theory and includes a wider range of financial products than typical for large institutional advisers.

Richard Bagley is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 44 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as a trustee for a close family friend. 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 advisory solutions. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Arturo Medina is a financial advisor with Morgan Stanley in Newport News, VA, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of his advisory work, he contributes as a pro bono project analyst for the Peruvian government's Ministerio de la Producción, focusing on evaluating startup programs to diversify the economy. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured discovery processes and planning tools and offers various investment and planning services without individual security recommendations as part of standalone financial planning.

Melissa Fletcher is a financial advisor at Raymond James Financial with eight years of industry experience. She holds the Series 66 designation and has worked at Raymond James Financial Services Advisors Inc. and Townebank. Fletcher is associated with brand names like Quill Private Wealth and Towne Wealth Management, though she does not have operational responsibilities in these entities. 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, corporations, and institutional clients. The firm uses tailored, non-discretionary planning approaches with analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Richard Maurer Jr. is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, as well as Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Marcia Geisert is a financial advisor at Ameriprise with 21 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as Financial Secretary for Resurrection Lutheran Church and participates in the Lutheran Women's Missionary League, where she assists with mission grant collections and provides devotions and prayer. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement, focusing on tailored income strategies, Social Security options, and tax-efficient withdrawals. The firm combines algorithmic modeling and advisor collaboration to deliver personalized, non-discretionary recommendations, primarily for clients with substantial assets under Ameriprise management.

Brent Barth is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with firms including Voya Financial Advisors and Virginia Company Financial Services. He is based in Williamsburg, VA. 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 advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Regan Van Cura is a financial advisor at Edward Jones in Poquoson, VA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, Regan worked at AR Workshop and The Office Group Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of more than 23,700 advisors. The firm manages approximately $1.01 trillion in assets and provides additional services including trust operations, affiliated mutual funds, and securities-based lending.

Richard Holden is a CFP® professional with 31 years of industry experience. He has been with Raymond James Financial since 2009. Outside of his advisory work, Holden owns a financial consulting support company and serves as a committee member for the St. Mark Church Endowment Committee, assisting in managing endowment funds. 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 and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools, and it supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Traci Foster is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary solutions. The firm’s advisory process 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.

Judah Stephens is a financial advisor at Morgan Stanley in Newport News, VA, with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Centient1 and Fidelity Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a variety of advisory programs, including financial planning that leverages structured discovery processes and firm-approved tools to support tailored client plans.

Sandra Hickey is a Series 66 licensed financial advisor with Merrill, where she has worked since 2020. She has five years of industry experience and previously spent nine years with Waterway Guide. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers.

Edward Spencer is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2006. Outside of his advisory role, he serves on the Endowment Committee of the Virginia Living Museum. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and estate strategies supported by structured processes and firm-approved tools.

Thomas Vitaletti is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 63, Series 65, and Series 66 designations and has 33 years of industry experience. Prior to joining Raymond James in 2025, he worked at LPL Financial for 14 years. Vitaletti is also active as a Bank Associate at TowneBank in Williamsburg, VA. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs conservative, non-discretionary planning and analytical tools to tailor recommendations to clients' goals and is notable for its municipal advisor affiliation and specialized SIMPLE IRA advisory programs.

Leo O'Connell is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients through a team based in Newport News, Richmond, and Tulsa. He focuses on helping clients develop comprehensive wealth plans that align with their personal financial goals. His areas of expertise include college education planning, corporate executive services, executive and equity compensation, personal retirement planning, special needs planning strategies, women and wealth, sports and entertainment, individual and corporate investment strategies, and retirement income. With a Bachelor's Degree from the College of William & Mary, Leo holds professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Throughout his 30-year career at Merrill Lynch, he has valued building long-term relationships with clients and their families, emphasizing collaboration and personalized planning. Leo is also involved in community organizations such as CHKD, Hampton Roads Children's Charities, St. Jude Children's Research Hospital, and Warwick Little League. Outside of his professional work, Leo enjoys a variety of activities including baseball, fishing, gardening, hiking, reading, scuba diving, skiing, surfing, traveling, and spending time with his family.

Andrew Bliefernich is a financial advisor with Merrill in Williamsburg, VA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America, Allstate Insurance, and as an educator at Old Dominion University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Regina Leigh is a financial advisor with Primerica Advisors in Williamsburg, VA, holding Series 63, 65, and 66 licenses and with 19 years of industry experience. She has been with Primerica Advisors and Primerica Financial Services since 2016. In addition to her advisory role, Leigh is the owner of Leigh Management Consulting LLC, a non-investment-related business. Primerica Advisors primarily serves individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers.

Tamara Pavlov is a financial advisor with Ameriprise in Chesapeake, VA, holding a Series 66 designation and nine years of industry experience. She has worked at Ameriprise since 2021 and previously held roles at Woolrich Inc., Securities Service Network, Woodbury Financial Services, and Moff and Associates. Outside of her advisory work, Pavlov serves as a part-time assistant cross-country coach at Lycoming College and participates in the Pennsylvania College of Technology Alumni Task Force. Ameriprise offers specialized retirement-income planning services targeted at individuals nearing or in retirement with substantial investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.