John Holland is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Summit Financial Group Inc. and Cetera Wealth Services, LLC. Holland is a partner in the ownership of thoroughbred racehorses and serves as a board member of the nonprofit Craik Patton House. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program structures and investment options.

John Dawson II is a financial advisor with Morgan Stanley in Charleston, WV, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009. Dawson serves on the sales advisory council at the University of Charleston. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and offers a broad range of services including estate planning and investment management.

Anthony Mazelon is a financial advisor with Robert Baird & Co., holding a Series 66 designation and bringing 24 years of industry experience. He has worked at Robert Baird since 2019 and has been with J.J.B. Hilliard, W.L. Lyons, Inc. since 2001. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing both manager-traded and model-traded strategies supported by internal research and technology.

Christian Perez is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he focuses on understanding the unique priorities of his clients to develop personalized financial strategies aligned with their goals and family needs. He has expertise in general investing, retirement planning, and saving for unexpected events. Christian takes the time to get to know clients in order to provide ongoing advice and guidance as their circumstances and objectives evolve. Christian holds a Bachelor's Degree and a Master's Degree from Marshall University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA).

William Painter is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. His prior work includes roles at MRC Global and multiple positions at Marshall University and West Virginia University. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

William Painter is a financial advisor with Wells Fargo Clearing in Charleston, WV, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Outside of his advisory role, he acts as a power of attorney for his mother. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors.

Christopher Heller is a CFP®-certified financial advisor with Morgan Stanley, based in Charleston, West Virginia. He has 18 years of industry experience and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He serves as a board member of the WV Smart529 Board of Trustees. Morgan Stanley Wealth Management provides a range of advisory programs for individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and diverse investment strategies to deliver comprehensive financial services.

Ryan Tweedy is a financial advisor at Ameriprise with two years of industry experience and holds a Series 66 designation. His prior roles include positions at West Virginia University and Charles Ryan Associates. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering services such as the Premier Retirement Income program, which provides detailed retirement income planning and tax-aware withdrawal strategies. The firm’s approach includes proprietary research and algorithmic tools to deliver tailored recommendations within a defined investment framework.

Kellie Keeling is a financial advisor at Ameriprise with 35 years of industry experience. She has held roles at Ameriprise since 2020 and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2009 to 2020. She holds Series 63 and Series 65 licenses. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports primarily focused on income sources, Social Security options, and withdrawal strategies.

Joshua Cross is a Wealth Management Advisor and a founding member of the Hardy, Smith, Cross & Associates team, where he serves as the lead relationship manager and financial strategies consultant. In this role, he works closely with clients to identify their personal objectives and monitors their progress toward achieving their financial goals. His background in both financial services and psychology and counseling provides him with a distinctive perspective to guide clients in creating their financial and personal legacy. Mr. Cross holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Exit Planning Advisor (CEPA), Chartered Life Underwriter (CLU), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Master's Degree from Regent University and a Bachelor's Degree from West Virginia University. His client focus areas cover a broad range including retirement planning, portfolio management, legacy planning, socially responsible investing, and services for endowments, foundations, and non-profits. Originally from Morgantown, West Virginia, Joshua currently resides in Charleston with his wife and three children. He is actively involved in the Charleston community and serves on the board of the Clay Center for the Arts & Sciences. Outside of his professional responsibilities, he enjoys biking, hiking, reading, and spending time with his family.

Adam Perry is a Financial Advisor and partner on the PS & Associates team at Merrill Lynch Wealth Management. He has over five years of experience in the industry, focusing on wealth management for individuals and families. Adam works to understand each client's financial situation and priorities to develop personalized financial strategies that are flexible to changing needs and market conditions. His expertise includes college education planning, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. Adam provides clients with access to Merrill's investment insights and the banking convenience and lending solutions of Bank of America to address various aspects of their financial lives. Adam holds a Bachelor's Degree from West Virginia University and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is also involved in community service, volunteering with organizations in the communities he serves. In his personal time, Adam enjoys baseball, basketball, golfing, and hunting.

Cassandra Williamson is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2013, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Norman Shumate III is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2019, leveraging nearly 30 years of experience in the newspaper business, venture capital, and public accounting. As a mid-life career changer, Norman has developed a client-centered practice within a large financial services firm. He works closely with business owners, individuals in mid-career contemplating retirement, and others managing transitions in their lives, aiming to help them grow, preserve, and leave a legacy with their wealth. Norman's background includes leading and selling a family-owned newspaper business, providing him with insights into the financial challenges faced by small business owners. His client focus areas encompass family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and retirement income. He holds professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). He earned both a Bachelor's Degree and a Master of Business Administration (MBA) from West Virginia University. Norman and his family have resided in Charleston, West Virginia, for over 30 years. He contributes to his community through service on the Yeager Airport Board of Directors and previously served on the United Way of Central West Virginia Board of Directors from 2013 to 2021. Additionally, he has been involved with the YPO Gold Mountain State as an Assistant Learning Officer.

Marc Arnold is a financial advisor with Ameriprise in Parkersburg, WV, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, Arnold serves on the University of Charleston Financial Planning Advisory Committee. Ameriprise provides a range of advisory, brokerage, and insurance services, including a retirement-income planning program designed for clients approaching or in retirement with significant investable assets. The firm utilizes a centralized consulting team and algorithmic tools to deliver tailored, tax-efficient retirement income recommendations.

John Quisenberry is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliated private bank since 2017, following prior roles at Bank of America and Merrill. Outside of his advisory work, he is the owner of Q2 Realty, LLC, a business involved in managing a single-family rental property in West Virginia. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Sarah Neff is a financial advisor with Robert Baird & Co. in Charleston, West Virginia, holding a Series 66 designation and eight years of industry experience. She has worked at Baird since 2019 and previously at D.A. Davidson & Co. from 2015 to 2019. Outside of her advisory role, she is involved as a health and beauty product representative with Plexus. Baird’s Private Wealth Management department, including the DDK Group where Neff works, serves individual, corporate, pension, and charitable clients through financial planning, portfolio management, and custody services. The firm employs a range of managed account strategies, tax management, and proprietary research, with reported regulatory assets under management of approximately $394 billion as of December 2025.

Charles Topp is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Outside of his advisory role, he serves on the board of directors for the Neil A. Smithson Foundation, where he participates in discussions on fund donations and investment strategies. 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 broader range of financial products than many peers, including insurance-related vehicles and bank deposit sweep options.

Michael Fannin is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and is based in Charleston, WV. Outside of his advisory role, he has been involved in the restaurant industry as a cashier and server at Pepperoni Grill LLC. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a variety of advisory programs to individuals and institutions, including tailored financial planning supported by proprietary tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Brooks Farmer is a Series 66-licensed financial advisor with Edward Jones in Charleston, WV, where he has worked for 15 years. He serves as a board member of Berry Hills Country Club and is a member of The Lawson Henry Company LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,700 advisors.

Jeffrey Velepec is a Senior Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1987 and brings over 38 years of experience in the financial industry. Jeffrey works closely with individuals and small businesses to develop customized financial strategies tailored to their specific needs, including wealth, education, retirement, and estate planning. As a Senior Portfolio Advisor, he manages custom investment strategies on a discretionary basis, utilizing Merrill model portfolios and third-party investment options. Jeff holds a Bachelor of Science degree in Mechanical Engineering from Valparaiso University. He also possesses the Chartered Retirement Planning Counselor™ (CRPC™) and Personal Investment Advisor (PIA) designations. Prior to joining Merrill Lynch, Jeffrey had a brief career as an engineer for a division of Exxon. He is active in his community, coaching youth soccer and basketball, and has served on nonprofit boards including Goodwill Industries and the Alzheimer’s Association. Jeffrey resides in Charleston, West Virginia with his wife Nina and their three children.