Al Morris is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2020, progressing through positions including Investment Consultant, Relationship Manager, and Financial Representative. In his work, Al focuses on developing financial plans that align with clients' individual stories and experiences. He emphasizes the importance of trust and comfort in client relationships and continuously seeks to deepen his understanding through ongoing development and collaboration with colleagues. Outside of his professional role, Al has interests in baseball, fitness, hiking, horseback riding, running, and traveling.

Latosha Wilkerson is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she works as a fitness instructor at Gold's Gym and a fitness coach at Boho Cycle Studio. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and advanced modeling tools in its financial planning approach.

Kenneth Sizemore is a financial advisor with Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2009. Outside of his advisory role, he serves as a Church Elder and Investment Committee Board Member for Second Presbyterian Church of Roanoke, Virginia. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and economic modeling.

Joseph Taylor is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at Virginia Asset Management, Minnesota Life, and Securian Financial Services. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Vickie Crawford is a financial advisor at Morgan Stanley in Richmond, VA, holding Series 63 and Series 65 designations with 24 years of industry experience. Her prior roles include positions at Financial Engines Advisors, EF Legacy Securities, and Edelman Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services supported by firm-approved tools and analysis methods. The firm manages approximately $2.74 trillion in client assets and provides financial plans through direct and employer-based arrangements.

Fredric Macholz is a financial advisor at Wells Fargo Clearing in Richmond, VA, with 36 years of industry experience. He holds Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves on the board of Atlantic Medical Solutions, assisting with marketing and productivity. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process includes investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Richard Dickerson is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 1999 as a Financial Advisor and is part of the Dickerson & Tootle Group, which focuses on delivering comprehensive wealth management services to individuals, families, corporate retirement plans, and non-profit organizations. The group emphasizes a hands-on and holistic approach to financial guidance. Richard holds several professional designations including the CERTIFIED FINANCIAL PLANNER™ (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He completed his bachelor's degree at George Mason University. Prior to his career in financial advising, Richard served as an International Trade Specialist with the U.S. Department of Commerce and was on active duty in the Military Intelligence branch of the U.S. Army as an Interrogator. He is multilingual, speaking Russian, Serbo-Croatian, and English. Richard resides in Powhatan with his wife Kathryn and their two sons, and they are involved in various community organizations. His personal interests include fishing, hunting, music, spending time with his family, and traveling.

George Krohn IV is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, N.A., and UBS since 2013. Based in Richmond, VA, Krohn has spent the past four years at UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, providing access to proprietary research and a variety of capital markets and lending solutions.

Noah Fletcher is a financial advisor with Mass Mutual Investors Services in Glen Allen, VA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at J.W. Cole Advisors, Valic Financial Advisors, and MassMutual Life Insurance Company. Outside of his advisory work, he coaches varsity football at Goochland High School and serves as a director for the Goochland Football Foundation, a nonprofit organization focused on community engagement and fundraising. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, providing financial planning and asset management services to individuals, business owners, and charitable organizations. The firm emphasizes collaborative, goal-driven planning using firm-approved analytical tools, offering a range of educational and event-driven planning programs.

Christopher Han is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2012. He provides comprehensive financial planning services, partnering with clients to develop strategies aimed at building and protecting wealth, as well as creating giving plans aligned with clients' values. Christopher adjusts these plans as clients' circumstances and opportunities evolve to help keep financial goals on track. His professional experience includes positions as a Licensed Personal Banker 2 at Wells Fargo Bank from 2010 to 2012, and earlier roles as a Financial Advisor at Virginia Asset Management, UBS Wealth Management, and Ameriprise Financial between 2007 and 2010. This background supports his expertise in financial consulting and wealth management. Outside of his professional work, Christopher's personal interests include cars, family activities, fitness, and soccer.

Paige Harrison is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC. Outside of her advisory role, she is involved in managing a rental property jointly owned with her spouse. 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 investment options, including insurance-related vehicles and bank deposit sweep programs.

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.

Lindsey Johnson is a financial advisor at Ameriprise with six years of industry experience. She holds the Series 66 designation and has previously worked for the Virginia State Corporation Commission and Virginia Polytechnic Institute and State University. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal 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.