Matthew Brotherton is a financial advisor with Osaic who holds Series 63 and Series 65 licenses and has 25 years of industry experience. He worked at SII/John Hancock Financial Services from 2000 to 2018 before joining Osaic. He is also involved in insurance and investment-related businesses through ownership and leadership roles in several related entities. Osaic Wealth, Inc. serves a diverse clientele including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with a variety of portfolio construction tools and offers access to third-party money managers and managed account solutions.

Aran Massengill is a financial advisor at Osaic with one year of industry experience and a Series 66 designation. Prior to joining Osaic, he worked briefly with Hermitage Wealth Management and has held various roles including client services specialist. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, retirement plan consulting, unified managed accounts, and access to multiple third-party money managers, employing a range of portfolio construction tools and investment options.

Gregory Gerczak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on creating wealth management strategies for entrepreneurs, business executives, and retirees. Greg's work involves helping clients advance their personal, professional, and philanthropic goals through personalized financial planning. He is a qualified Portfolio Manager who provides traditional financial advice and guidance while also building and managing individualized investment strategies. These strategies may include individual stocks, bonds, and third-party investment options. Greg may manage these strategies on a discretionary basis through the firm's Investment Advisory Program. Greg holds the Certified Investment Management Analyst® (CIMA®) accreditation, earned after studying at the University of Pennsylvania's Wharton School, and the Certified Private Wealth Advisor® (CPWA®) designation. He graduated from The Ohio State University. Outside of work, Greg enjoys golfing and spends time with his wife, Lexie, and their two sons, Hayes and Harry. He is a member of Hermitage Country Club and The Commonwealth Club.

Quyen Chung is a financial advisor at Morgan Stanley with 39 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank, National Association since 2015. Chung holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and incorporates advanced modeling techniques such as Monte Carlo simulations in its planning process.

Brendan Toone is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017, with prior experience at Bank of America, Merrill, Private Advisors LLC, and MSI Financial Services, Inc. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery conversations and firm-approved tools to model financial outcomes, serving clients primarily in an advisory capacity.

Kevin Foster is a financial advisor at Edward Jones in Chesterfield, VA, with eight years of industry experience. He has held his current position since 2017 and previously worked for twenty years at TruGreen. Foster holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including various types of households and organizations. The firm offers a broad range of advisory strategies, operates under a fiduciary standard, and manages approximately $1.01 trillion in assets through a large network of advisors and branch offices.

Bryan Norfleet is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved as a trustee of an irrevocable life insurance trust. 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 broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Dianne Willier is a Financial Consultant currently working at Fidelity Investments since 2014. She has built a professional career in the financial services industry, focusing on understanding clients' short and long-term goals and developing customized financial plans tailored to individual needs. She prioritizes strong client relationships based on trust, responsiveness, honesty, and competency. Her professional background includes experience as a Registered Associate at Morgan Stanley from 2008 to 2012, Branch Operations Manager at UBS Financial Services between 2007 and 2008, and various roles at Davenport & Company LLC from 1989 to 2004, including Assistant Vice President - Research, Vice President - Institutional Sales, and Registered Associate. Additionally, she served as an Equity Trader and Officer at Wachovia Securities from 2006 to 2007. Dianne holds an AR Insurance License. Outside of her professional work, she has personal interests in cooking and baking, social events with friends, hiking, pets, and yoga.

James Carleton Jr. is a financial advisor at Ameriprise in Richmond, VA, holding a Series 66 designation. He has prior experience at Silvercrest Asset Management Group and James River Insurance Company. He serves on an alumni board in a non-investment-related capacity. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver customized recommendation reports.

Wendy Williams is a CFP® with 22 years of industry experience and has been with Wells Fargo Clearing since 2016. Prior to that, she worked at Wells Fargo Advisors, LLC for one year. She serves on the finance committee of the Richmond Society for the Prevention of Cruelty to Animals, where she oversees financial management and internal controls. 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 grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Karen Higgins is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service geared toward individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a wide range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Daniel Scott is a financial advisor with UBS Financial Services in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has been with UBS and its predecessor, Painewebber Incorporated, since 1990. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and relies on proprietary research and model-based asset allocations to tailor client solutions.

Zachary Burkhart is a CFP® certified financial advisor with over 20 years of industry experience. He has been with Edward Jones since 2005, working within the firm's extensive network. 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 under management through a broad range of advisory programs and maintains a large national presence with over 23,700 financial advisors.

Bradford Ellis is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and has previously worked at SunTrust Advisory Services, SunTrust Investment Services, and Edward Jones. He also served on the Fredericksburg City Council for 10 years and currently serves on the WhistlePunk Homeowners Association Board in Snowshoe, WV. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Tyler Dove is a financial advisor with LPL Financial in Richmond, VA, holding a Series 66 designation and bringing 10 years of industry experience. He previously worked at Cetera Advisors LLC for three years before joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support diversified investment strategies.

Gregory Gulling is a financial advisor with LPL Financial, holding the Series 65 and Series 63 credentials and having eight years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation, OneAmerica Securities, and his own ventures such as The Gulling Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and research from LPL Research.

David Shannon is a Series 66-credentialed financial advisor at UBS Financial Services with 16 years of industry experience. He has worked at UBS since 2017 and previously spent eight years at Merrill. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Thomas Valentine is a financial advisor at Wells Fargo Advisors in Richmond, VA, holding Series 63 and Series 66 licenses with 42 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, he serves on the finance committee of The Valentine Museum. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu supported by Wells Fargo research and tools, with clients able to implement recommendations through various firm programs.

Alexander Dempsey is a Series 66-licensed financial advisor with eight years of industry experience. He is currently with Ameriprise, where he has worked since 2022, following prior roles at Janney Montgomery Scott, Wells Fargo Clearing, and First Command Financial Planning. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Robert Hinkel is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Charles Schwab, where he has worked since 2016 in various roles including at Charles Schwab Bank and Charles Schwab & Co., Inc. Prior to that, he spent one year at The Mather Group, LLC. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management using multi-asset model portfolios supported by research and due diligence on alternative investments.