Michael Barnes is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing Services since 2018, with prior roles at Wells Fargo Bank NA, Verizon, and Gracious Living Realty. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 an investment menu that notably includes insurance-related vehicles and bank deposit sweep options.

Richard Cota III is a financial advisor with Equitable Advisors in Richmond, VA, holding a Series 66 designation and five years of industry experience. His background includes roles in mortgage services and hospitality prior to joining Equitable Advisors in 2021. Equitable Advisors serves individual, corporate, and institutional clients with financial planning, retirement plan consulting, and various asset management programs, utilizing both proprietary and third-party investment models and offering ERISA fiduciary services through credentialed advisors.

Thomas Kampfmueller Jr. is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and possessing 34 years of industry experience. Prior to joining Cambridge in 2017, he worked for 1 St Global Insurance Services and affiliated firms for 14 years. He also operates as an independent insurance agent in Richmond, VA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services delivered through independent Financial Professionals, utilizing various portfolio management programs and tactical investment strategies.

Alexander Joseph is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. He previously worked at UBS Financial Services and has professional experience that includes roles outside finance in education and hospitality. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs, and it serves as an advisor to multiple registered funds.

Nicholas Yellets is a financial advisor with Equitable Advisors in Richmond, VA, holding a Series 66 designation and seven years of industry experience. Prior to joining Equitable Advisors in 2019, he held roles at AXA Advisors, Packsaddle Ridge Golf Club, Corolla Watersports, and Zocalo. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm uses a network of Investment Adviser Representatives to deliver personalized advice and access a range of third-party asset management programs and products.

John Bayarski is a CFP® professional with seven years of industry experience, currently serving as an advisor at LPL Financial. His prior roles include positions at Strategic Wealth Planning and Commonwealth Financial Network, as well as a decade at Aramark Corp. In addition to his advisory work, he is involved in tax preparation and accounting through Strategic Tax Planning, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer providing services to individuals, retirement plans, banks, credit unions, and charitable organizations. The firm offers a range of advisory programs and manages portfolios using both discretionary and non-discretionary approaches, supported by research and multiple investment strategies.

Daniel Halpin is a financial advisor with Ameriprise in Midlothian, VA, holding a Series 66 designation and six years of industry experience. His career includes roles at Ameriprise Financial Services and prior positions at RVA on Wheels and JR Caskey, Inc. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing tailored Recommendation Reports that address income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis delivered through a centralized consulting team, serving clients with a broad range of advisory, brokerage, and insurance solutions.

Harry Michalowski is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and bringing 32 years of industry experience. He has been with Primerica Advisors since 1994 and was previously affiliated with Primerica Financial Services starting in 1993. Outside of advisory work, he is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies from third-party asset managers and provides discretionary portfolio management with custody and trade execution supported by Pershing and BNY Mellon Advisors.

Jennifer Povilaitis is a financial advisor at Ameriprise in Richmond, VA, holding a Series 66 designation with one year of industry experience. She previously worked at LPL Financial and Old National Bank from 2016 to 2025. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing detailed recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized service that supports its advisors and emphasizes the use of Ameriprise-managed accounts.

Emilia Penney is a financial advisor at Morgan Stanley with eight years of industry experience. Her prior roles include positions at J.P. Morgan Chase Bank, Bank of America, Merrill Lynch, and Freeman's. She served on the board of the Virginia Museum of Fine Arts for seven years. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, providing tailored financial planning supported by structured discovery processes and firm-approved tools.

Anthony Brewer Jr. is a Series 66-registered financial advisor with Thrivent Investment Management in Richmond, VA, and has four years of industry experience. Prior to his current role, he spent 12 years involved with Brewers Cafe. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering goal-based financial planning without discretionary trading authority. The firm’s approach integrates comprehensive planning with managed accounts through a consolidated billing option called WealthPlan, while keeping planning and portfolio management separate.

Mark Dalton is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Dalton has ownership in a family business entity, Dalton Family, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joseph Stemmle is a financial advisor with Ameriprise, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise since 2011. Outside of his advisory role, he serves as president of the VCU Alumni Association Richmond Chapter and provides pro bono financial planning. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through a collaborative, non-discretionary approach.

Mark Barnett is a financial advisor with Ameriprise in Glen Allen, VA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, Barnett is involved in business ownership, including The Westerre Group, LLC, an investment-related pass-through entity, and MaKe Enterprises, LLC, a real estate business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, delivering tailored recommendation reports through a centralized consulting team. The firm combines quantitative modeling, tax-efficient strategies, and asset management to support client retirement income needs.

Devin Palmese is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, Wealthcare Advisory Partners, and other firms. Palmese is also an independent insurance agent through his own business, Palmese Financial LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm supports a range of investment approaches and platform arrangements, delivering solutions through a network of independent financial professionals.

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.