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.

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.

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.

Rabih Harmoush is a financial advisor with LPL Financial in Glen Allen, VA, holding the Series 63 and Series 66 credentials and having 23 years of industry experience. He previously worked at Valic Financial Advisors for nine years before joining LPL Financial in 2019. Outside of his advisory work, he is involved in an automotive sales business in Richmond, VA. 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 financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

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.

Michael Kelly is a financial advisor at Fidelity with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Fidelity Investments since 2021. Prior to this, he was employed at Sawgrass Country Club and DeerCreek Country Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Andrew Joyner is a financial advisor with OSAIC in Glen Allen, VA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His work history includes positions at Old Dominion Asset Management Inc., LPL Financial LLC, and H. Beck Inc. before joining OSAIC. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, financial planning, and access to multiple investment platforms, utilizing tools such as asset-allocation models and automated rebalancing to manage portfolios across various asset classes.

David Saunders is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2011. Outside of his advisory role, Saunders is involved as a committee member with Scouts BSA Troop 521 and serves on the board of the Hanover Education Foundation. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides both discretionary and non-discretionary investment strategies through independent Financial Professionals, utilizing proprietary and third-party model strategies across multiple custody and platform arrangements.

Donald Kemp is a financial advisor with Merrill in Richmond, VA, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. He has worked at Merrill since 2009 and has been associated with Bank of America N.A. since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.