Robert Hinkel is a CFP® professional affiliated with Charles Schwab, with 20 years of industry experience. He has worked at several notable firms, including Fidelity, TIAA-CREF, Merrill, and The Mather Group, before his current role at Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering integrated brokerage, custody, and advisory solutions with both non-discretionary and discretionary investment options.

Michael Kelly is a financial advisor at Fidelity with Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Sawgrass Country Club and DeerCreek Country Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary portfolio management, fund advisory services, and model portfolio delivery, distinguishing itself with its registration as a commodity pool operator and its use of AI-driven research methodologies.

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.

Tenley Dixon is a financial advisor at Edward Jones with 10 years of industry experience. She holds the ChFC®, Series 63, and Series 65 credentials. Prior to joining Edward Jones in 2022, Tenley worked for six years at Truist Investment Services Inc. She is involved in her local business community as a member of the Richmond chapter of BNI and serves as an ambassador for Sierra Madre Golf, a women's golf apparel company. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices nationwide.

Randolph Tate is a financial advisor with Ameriprise in Richmond, VA, holding Series 63 and Series 66 credentials and 24 years of industry experience. He previously worked at Cuna Mutual Group and Cuna Brokerage Services, Inc. for 18 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service targeted at individuals with substantial investable assets, delivering written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax efficiency analysis to support retirement planning and offers a broad range of advisory, brokerage, and insurance solutions.

David Lyness is a Financial Consultant at Fidelity Investments, a position he has held since 2021. Prior to this role, he worked as a Financial Advisor at Acorn Advisory Services from 2019 to 2020. In his current capacity, David focuses on providing a personalized experience by delivering customized education and leveraging Fidelity's resources to develop and implement holistic financial strategies. David's approach centers on working collaboratively with clients to align financial plans with their aspirations. His professional experience spans financial consulting and advisory services, enabling him to support clients in various aspects of financial planning. Outside of his professional responsibilities, David is engaged in family activities, golf, outdoor adventures, and volunteering.

Olivia Mallett is a CFP® with three years of industry experience, currently serving at Charles Schwab in Glen Allen, VA. Her prior experience includes roles at Oppenheimer and positions in education and corporate settings. She is involved with the Virginia Tech Alumni Association as Young Alumni President, where she helps coordinate events and outreach in the Tidewater Area. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm provides both non-discretionary advisory services and access to discretionary separately managed accounts, combining centralized operations with a multi-asset model portfolio approach.

Melissa Townes is a financial advisor with Ameriprise in Chester, VA, holding a Series 66 designation and 19 years of industry experience. She has worked at Ameriprise since 2018 and previously held a position at Morgan Stanley from 2016 to 2018. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations through a centralized consulting team.

Dale Fickett is a Series 65 licensed financial advisor with four years of industry experience. He currently works at Cambridge Investment Research Advisors and has prior experience at Barrett Capital Management, LLC. Outside of advisory roles, he is involved with RVA Works, a community organization. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, providing both discretionary and non-discretionary strategies across various platforms.

Alexander Maffett is a financial advisor with RBC Capital Markets in Richmond, VA, holding a Series 66 designation and 12 years of industry experience. His prior work includes roles at City National Bank, Truist Advisory Services, Truist Investment Services, and BB&T Securities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs and customizable portfolio management strategies using both in-house and third-party investment managers.

Darren Mazzoni is a Wealth Management Advisor and Senior Resident Director at Merrill Lynch, where he currently serves as the Senior Resident Director of the Richmond office. In this role, he helps advisors embrace Merrill's principle of putting clients first. Darren began his career with Merrill Lynch Wealth Management in 2003 after earning a bachelor's degree in economics from The College of William and Mary. Darren focuses on helping clients care for all aspects of their financial lives and aligns their investment portfolios to support their personal goals. His approach involves open and direct dialogue to understand clients' true purpose for their wealth and what matters to them personally. He guides clients through decisions impacting their financial lives, emphasizing risk management and consistent long-term performance aligned with clients' objectives. Darren is a qualified Portfolio Manager who builds and manages personalized or defined strategies incorporating individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. In addition to his advisory responsibilities, Darren has served as Resident Director of the Newport News and Williamsburg offices. He holds the Certified Private Wealth Advisor (CPWA) designation from Yale School of Management and the Personal Investment Advisor (PIA) designation. Darren resides in Richmond with his wife, Tracy, and participates in community volunteering activities. His personal interests include baseball, basketball, football, hiking, reading, spending time with family, table tennis, tennis, traveling, and watching movies.

Bailee Belanger is a Financial Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth management. She focuses on helping clients grow and preserve their assets through personalized financial strategies and retirement planning. Bailee assists individuals and families in navigating complex financial landscapes to achieve their long-term goals. Her areas of expertise include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Bailee holds the Personal Investment Advisor (PIA) designation and has completed coursework at the University of Massachusetts System and Nichols College. She earned her High School Diploma from Somerset High School. Outside of her professional work, Bailee enjoys gardening, golfing, running, spending time with her family, and writing. Her approach centers on uncovering what matters most to clients and their families to create tailored strategies that pursue their financial objectives.

David De La Ree Valencia is a financial advisor with Ameriprise in Richmond, VA, holding a Series 66 designation and seven years of industry experience. He has worked at Ameriprise since 2018 and has prior experience outside finance, including roles in hospitality and construction. Outside of advising, he occasionally works as a DJ at local music venues in Richmond. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. This service provides written recommendations and annual advice based on proprietary research and third-party data, focusing on dependable income sources and tax-aware withdrawal strategies.

Kenneth Kapinskis is a financial advisor with Osaic Wealth Inc., holding Series 63 and Series 65 designations and bringing 21 years of industry experience. He worked at Signator Investors Inc. from 2004 to 2018 before joining Osaic in 2018. Kapinskis serves as a council member for St. Edwards Catholic Church, advising on the church’s investment performance and distribution strategies. OSAIC Wealth Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a broad network of affiliated advisors and platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and a wide range of investment options including managed accounts and third-party solutions.

Robert Glownia is a financial advisor with LPL Financial in Richmond, VA, holding the CFP® and CFA® designations and possessing 16 years of industry experience. He previously worked at RiverFront Investment Group and ALPS Distributors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a broad network of over 22,800 advisors.

Edrees Sidiqi is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 66 licenses and four years of industry experience. His prior work includes roles at Wells Fargo Bank and various technology and delivery companies. Outside of advising, he works as a delivery driver for Uber and Grubhub. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Robert Steele is a financial advisor with LPL Financial in Chester, VA, holding a Series 66 designation and having 10 years of industry experience. He worked previously at Investment Centers of America, Inc. from 2015 to 2017. In addition to his advisory role, he manages a branch of Appomattox Insurance Services, selling property and casualty insurance and overseeing other agents. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Darrell Little is a financial advisor with Wells Fargo Clearing in Richmond, VA, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. His prior roles include positions at SunTrust Advisory Services and Suntrust Investment Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute and third-party databases to evaluate investment options, and it offers both brokerage and advisory solutions.

Justin Martin is a financial advisor with Ameriprise in Powhatan, VA, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2002. Outside of his advisory role, Martin serves on the board of directors for the nonprofit organization Together for Tanzania and owns a financial planning business called Prestige Planning. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to generate tailored retirement-income recommendations.