Adam Silvers is a financial advisor at Stifel with 12 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus since 2013. The firm serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. Stifel’s investment approach is based on a proprietary methodology from its Investment Strategy Group that uses forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and financial planning analyses.

John Flick III is a financial advisor with LPL Enterprise in Charlottesville, VA, holding Series 63 and Series 65 credentials and four years of industry experience. Before joining LPL Enterprise in 2025, he worked at Mutual of Omaha Investor Services and Mutual of Omaha Insurance Company from 2021 to 2025. He has also operated as a mobile notary and been self-employed in other roles. LPL Enterprise serves a diverse range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm’s integrated platform combines advisory programs with brokerage and insurance products, supporting clients through both discretionary and non-discretionary engagements.

Nelson Ham is a Senior Financial Advisor based in Charlottesville, Virginia, within the Global Wealth and Investment Management Division of Merrill Lynch Wealth Management. He joined the SCH GROUP in December 2013, which comprises three advisors and one dedicated client associate with over 65 years of combined experience. Nelson has obtained Series 7 and Series 66 FINRA Registrations, as well as state Insurance licensures, and successfully completed Merrill Lynch's five-stage Practice Management Development program. He holds the Personal Investment Advisor (PIA) designation. Raised in Albemarle County, Virginia, Nelson earned a bachelor's degree from the University of Virginia where he studied business and graduated with honors. Prior to joining Merrill Lynch, he worked as an educator instructing students on SAT and PSAT preparation, as a sales and marketing director partnering with a commercial real estate developer in Virginia, and as an Estate Manager assisting affluent families. His expertise includes education planning, family wealth management strategies, legacy planning, philanthropic planning, portfolio management services, socially responsible investing including ESG, individual and corporate investment strategy, tax minimization, and retirement income planning. Nelson is actively involved in his community, volunteering with PACEM and the Virginia Special Olympics. He is also a member of the Monticello Cabinet, supporting preservation and education efforts. In his spare time, he enjoys outdoor activities such as fishing, hiking, and skiing around the Blue Ridge Mountains, as well as spending time with his family.

Karyn Warren is a CFP® professional affiliated with OSAIC and has 27 years of industry experience. She worked at Securities America Advisors, Inc. from 2012 to 2024 before joining OSAIC. Outside of her advisory role, she owns and manages multiple residential rental property LLCs and operates an insurance sales business offering life, health, and annuity products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, corporate, and charitable investors through a large network of advisers. The firm combines brokerage and advisory services with financial planning and managed account solutions, utilizing asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

Edwin Yowell is a financial advisor with Ameriprise in Gordonsville, VA, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Outside of his advisory role, he is an associate financial advisor at OFG LLC, where he meets with clients and provides financial advice. Ameriprise is a large institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations, primarily for clients maintaining accounts within Ameriprise-managed portfolios.

Robin Davis is a financial advisor at Fidelity with 11 years of industry experience. He holds a Series 66 credential and has previously worked at Wells Fargo Advisors and Prudential-affiliated companies. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, managing portfolios across mutual funds, ETFs, and ETPs with an emphasis on systematic methodologies and long-term asset allocation.

Martin Harar is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has nearly 50 years of experience in wealth management, focusing on customizing solutions to fit his clients' unique goals and preferences. Before joining Merrill Lynch in 2013, he had a 36-year career at State Farm Insurance, where he worked as an agent and later in management. Martin holds a Bachelor's Degree from Virginia Tech, graduating in 1977. He is a CERTIFIED FINANCIAL PLANNER (CFP) certificant and a Personal Investment Advisor (PIA). His expertise encompasses education planning, family wealth management strategies, legacy planning, retirement income, tax minimization, socially responsible investing, portfolio management, and small business strategies. He is actively involved in the Charlottesville community as a parishioner of St. Thomas Aquinas, a volunteer at Charlottesville Catholic School and The Covenant School, a member of the Charlottesville Committee on Foreign Relations, and President of the Charlottesville Chapter of the Virginia Tech Alumni Association. Martin embodies Virginia Tech's motto of Ut Prosim, "That I May Serve," both professionally and personally.

Fred Newsom is a financial advisor with LPL Financial located in Charlottesville, VA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with Linsco/Private Ledger Corp. since 1999. Newsom also manages a branch and serves as a registered representative and investment advisor in Charlottesville. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Charles Bull is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He previously worked at Bank of America, NA for 11 years before joining Wells Fargo in 2020. Bull serves as an exam reviewer for the CFP Board of Standards, writing and reviewing questions for the CFP exam. 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 includes a broader set of financial product offerings than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Mauricio Rodriguez Gebran is a financial advisor with Fidelity in Charlottesville, VA, holding Series 63 and Series 66 credentials and five years of industry experience. His background includes roles at Uber, Lyft, and Whole Foods Market prior to joining Fidelity. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Shelly Pellish is a Series 66-licensed financial advisor with Ameriprise in Charlottesville, VA, with seven years of industry experience. She has been with Ameriprise and its affiliated entities since 2017, following a 15-year tenure at the Center for Christian Study. Outside of her advisory role, Pellish is the owner of Flying Squirrel, LLC, which she manages alongside her work at Ameriprise. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, delivering personalized recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Daisy Rojas is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63 and 65 licenses and three years of industry experience. Her prior roles include positions at Platt Financial, Rojas Stevens Company, United Way, and The Covenant School of Charlottesville. 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 advisers. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Miriam Powers is a financial advisor at Mass Mutual Investors Services with five years of industry experience. She holds Series 63 and Series 65 licenses and has worked at MassMutual Commonwealth since 2017. Outside of finance, Powers has experience working with Union Mission Ministries and in retail and food service. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annually structured financial planning engagements supported by firm-approved analytical tools.

Jeffrey Mcgough is a financial advisor with LPL Financial in Charlottesville, VA, holding Series 63 and Series 65 credentials and having 40 years of industry experience. Prior to joining LPL Financial in 2018, he worked at VOYA Financial Advisors from 2014 to 2018. Outside of his advisory role, he is involved in managing an Airbnb rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party resources.

John Higgins II is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. 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.

James Masloff is a financial advisor with Raymond James Financial, holding CFP® certification and Series 63 and 65 licenses, with 38 years of industry experience. He has been with Raymond James since 2008. Outside of his advisory work, he is a managing member of a family LLC established to facilitate generational gifting of a vacation home. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored recommendations supported by firm research and a broad affiliate network.

Grace Barrett Johnson is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has prior experience managing an advisory business under Clarinity Inc. Johnson’s background includes service in the United States Marine Corps and community involvement through Christ the King Church. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm utilizes proprietary research and third-party data to provide non-discretionary recommendations within a defined investment universe.

Beth Goodell is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Merrill and Bank of America. 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 grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include investment policy statement preparation, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related products among its investment options.

Michael Drew is a financial advisor with Wells Fargo Clearing in Charlottesville, VA, holding Series 63 and Series 65 licenses and 12 years of industry experience. He previously worked at Citizens Bank and Wells Fargo Clearing Services LLC. Outside of his advisory role, he serves on the finance committee of the Knights of Columbus Fr. Adrian Harmening Council, participating in charitable activities and financial oversight. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

David Lemon is a CFP® professional with 21 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved as co-treasurer of Scout Troop 114 in Irving, TX, assisting with financial management and administrative tasks. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.