Frederick Scruggs Jr. is a financial advisor at Mass Mutual Investors Services with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual Investors Services since 1985, also maintaining a long tenure with MassMutual Life Insurance Company since 1977. Outside of his advisory work, he is involved in business coaching and consulting, including ownership of several business advisory entities, and is also an author. Mass Mutual Investors Services, a subsidiary of MassMutual, provides ongoing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses detailed client data and firm-approved software tools to deliver written financial recommendations, supporting a collaborative, annual planning process.

John Stone is a CFA® charterholder with 24 years of industry experience, currently serving as a financial advisor at Stifel since 2009. He holds the Series 63 and Series 65 licenses. Outside of his advisory role, Stone is Chair of both the Greater Lynchburg Community Foundation and the Economic Development Authority of the City of Lynchburg. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services with a focus on proprietary investment analysis and allocation methodologies.

Maxx Mitchell is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 designation and has previous work experience in various roles including positions at Liberty University and Indian Rocks Christian School. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory solutions.

Christopher Tibbs is a financial advisor at Edward Jones with 14 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tambi James is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broader range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.

Julie David is a financial advisor with Raymond James Financial in Forest, Virginia, holding Series 63 and Series 65 licenses with seven years of industry experience. She has previously worked at Wells Fargo Clearing and Wells Fargo Bank. David also serves as a client associate at Resolute Private Wealth. Raymond James Financial Services Advisors, Inc. offers 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 provides tailored non-discretionary planning and consulting using various analytical tools and supports municipal finance work through a unique municipal advisor affiliation.

Sarah Scruggs Reddell is a financial advisor at Mass Mutual Investors Services with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Mass Mutual Investors Services since 2015. In addition to her advisory work, she owns a retail sales business called Sarah's Art and serves as a benefits manager for a group health insurance company. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved software and also provides specialized planning programs such as divorce and estate-settlement planning.

Freddie Barbour is a financial advisor with LPL Financial in Lynchburg, VA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His previous roles include positions at Royal Alliance Associates, Signator Investors, and Investors Capital Corp. Outside of financial advising, he is involved in the marketing and sale of MLK holiday legislation prints. 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 a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

William Bourne is a financial advisor with Cambridge Investment Research Advisors in Lynchburg, VA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. His career includes roles at Colorado Financial Service Corporation, James River Advisory, Inc., and Triad Advisors, Inc. He is also president and owner of The Bourne Group, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals and provides both proprietary and third-party investment strategies tailored to client objectives.

Amelia Marin is a Series 66-credentialed advisor at Cambridge Investment Research Advisors with two years of industry experience. She has held roles at Cambridge Investment Research, Vision Financial Group, and Ameriprise Financial. Outside of her financial advisory work, she owns and operates a food-related business called Amelia The Foodie. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, and charitable organizations, providing financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm offers both proprietary and third-party investment strategies with a range of custody and platform options tailored to client objectives.

Robert Loflin Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior roles include positions at The Main Street Group, Signator Investors, Inc., and Equitable Advisors. Outside of his advisory work, he operates Robert M Loflin Jr LLC, a separate business entity used for tax and investment purposes. 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 a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of more than 22,800 advisors.

Landen Mays is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL, he worked at First National Bank and has backgrounds in education and customer service. 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, including financial planning and model portfolio programs, and supports advisors with various investment strategies and technology tools.

Staci Parker is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She holds the Series 66 designation and has been with Robert W. Baird & Co. since 2010. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of investment strategies and overlays tailored to client goals and risk tolerances.

Jonathan Schubert is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has 23 years of industry experience. His prior firms include Bank of America, Merrill, and Edward Jones. Outside of advising, he is involved in business ownership roles, including serving as president of a support company and as a partner in a company that holds office real estate. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, ranging from individuals and high-net-worth clients to institutional organizations. The firm offers non-discretionary planning and uses analytical tools to tailor recommendations to client goals, supporting implementation through its advisory programs or other providers.

John Nixon is a financial advisor with LPL Financial, holding a Series 66 license and 11 years of industry experience. He previously worked at Ameriprise and Ameriprise Financial Services, Inc. for a total of 12 years before joining LPL Financial. Outside of his advisory role, Nixon writes a blog for Eastern Expeditions. 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 various advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives and technology tools.

Kelly Letchworth is a Wealth Management Advisor and Senior Portfolio Advisor with The Hoskins Group, a team recognized as a 2024 Forbes Best-in-State Wealth Management team. She is part of a group of six professionals providing comprehensive wealth management services to individuals and families, focusing on creating personalized financial strategies that align with clients' values and life stages. Kelly's expertise includes family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and serving women and wealth clients. As a Certified Financial Planner® and Certified Plan Fiduciary Advisor®, she holds Series 7 and Series 66 FINRA registrations and is licensed in Virginia for Life and Health Insurance. She earned her Bachelor's Degree in Financial Planning from Liberty University. Outside of her professional work, Kelly enjoys spending time with her husband, son, and their two dogs, frequently attending baseball games together. Her personal interests also include cooking, antiquing, interior decorating, reading, and traveling.

Joshua Crouse is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. He has worked previously at Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America N.A., with seven years at those firms. 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 offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Stephen Cooper is a financial advisor with Cambridge Investment Research Advisors in Lynchburg, VA, holding Series 63 and Series 65 designations and 24 years of industry experience. His prior experience includes seven years at Lincoln Financial Securities. Outside of his advisory role, he is a managing partner and independent insurance agent at Commonwealth Financial Group. Cambridge Investment Research Advisors serves a wide range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing multiple custody platforms and both discretionary and non-discretionary investment approaches.

Laura Holt is a financial advisor with LPL Financial in Lynchburg, VA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. She has worked at LPL Financial since 2018 and First National Securities since 2015. Outside of her advisory work, she is a business owner of a home-based company that makes and sells bath products, serves as a notary public for the Commonwealth of Virginia, and acts as Financial Secretary on the board of Childrey Baptist Church. 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 provides advisory and brokerage services through a large network of representatives, offering financial planning, model portfolio programs, third-party asset management, and institutional platforms, with an emphasis on a range of strategies and operational tools.

Brenton Helms is a CFP® and ChFC® with 17 years of experience in the financial services industry. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, investment options, and fiduciary services supported by a nationwide network of more than 23,700 financial advisors.