Will Nordt is a CERTIFIED FINANCIAL PLANNER™ professional and an IRS Enrolled Agent at Virginia Asset Management in Midlothian, Virginia & Charlottesville, Virginia. He is the firm's only Enrolled Agent, and he works with Richmond and Charlottesville-area corporate executives, business owners, and high-income families whose financial lives have grown complicated enough that taxes drive most of the important decisions. The Enrolled Agent credential is the highest tax designation the IRS awards, and it is uncommon among financial advisors. Will does not prepare tax returns. He reads them. He models what a decision will cost before it gets made, and he coordinates directly with a client's CPA so the plan and the filing agree. As an Enrolled Agent, he is also authorized to represent clients before the IRS. That matters because of a gap most people do not notice until it costs them money. The financial advisor never sees the tax return. The CPA never sees the portfolio. Both are competent, and the plan still leaks, because nobody is holding both documents at once. Executives and equity-compensated professionals. When to exercise incentive stock options and how to manage alternative minimum tax exposure. What to do when RSUs vest and the default withholding falls short. Whether to participate in an ESPP. Deferred compensation elections that come due in November with real consequences and no guidance attached. How to diversify out of a concentrated position in employer stock without triggering an avoidable bill. Multi-year Roth conversion and charitable planning modeled against an actual return rather than an estimated bracket. Business owners. Entity and compensation structure, retirement plan design, key employee retention strategies, and preparing a company for a marketable sale, planned against the owner's personal balance sheet instead of treated as a separate exercise. Families managing complexity. Households come to Will at pivotal moments: a promotion, a liquidity event, an inheritance, a business sale, the approach of retirement. For many of these clients he serves as the family's CFO, the single point of coordination across investments, tax strategy, estate documents, and insurance. Will is a member of the Estate Planning Council of Richmond, Virginia, one of the oldest estate planning councils in continuous operation in the country, and a member of the Financial Services Institute. He began his career on the tax side at Hantzmon Wiebel LLP in Charlottesville before joining Virginia Asset Management in 2021. Will earned a bachelor's degree in Applied Statistics and Economics from the University of Virginia, where he served as a Young Life leader at Journey Middle School in Albemarle County. He and his wife, Grace, live in Richmond with their miniature Australian Shepherd, Birdie. They are active members of City Church of Richmond. Outside of work, Will enjoys golf, good bourbon, and cheering on UVA Men's Basketball and Manchester United. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining advisor-managed accounts and third-party solutions, supported by its institutional structure and retirement capabilities. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification mark CFP® in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. As an Enrolled Agent (EA), William R. Nordt is admitted to provide tax advice and representation before the IRS. Tax advisory services provided by William R. Nordt are offered through a separate entity independent of Cetera and Virginia Asset Management. Any tax advice contained herein is based on current federal tax law and is provided for informational purposes only, based on the facts as presented. This advice may change if additional information becomes available or if applicable law changes. No assurance is given that the IRS or any taxing authority will agree with the conclusions expressed. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business. Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. Virginia Asset Management is independently owned and operated.

Paavan Kotini is the sole advisor at Kotini Capital Advisors LLC in Glen Allen, VA. He holds a Series 65 designation and has industry experience beginning in 2024, with prior roles including five years at CarMax and ongoing involvement in Kotini & Kotini LLC since 2011. Outside of advisory work, he is associated with an insurance company and a virtual family-office entity. Kotini Capital Advisors is an independent firm offering asset management and fee-based financial planning to individuals, high-net-worth clients, trusts, estates, foundations, endowments, corporations, and small businesses. The firm follows an institutional endowment model investment approach with broad diversification and includes alternative and less-liquid investments, implementing strategies through ETFs, mutual funds, separate accounts, and third-party managers.

David Luck is a CFP® professional with eight years of industry experience and is the sole advisor at Advisor Financial Services, Inc. He has been with the firm since 1995 and concurrently operates Luck & Company CPA PLLC, providing tax and accounting services to individuals and small businesses. Advisor Financial Services, Inc. is an independent SEC-registered investment adviser serving individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm uses long-term, diversified strategies tailored to client goals and risk tolerance, supported by a technology-driven platform that integrates portfolio management with tax and accounting services.

Daniel Douglas is a financial advisor at Empire Wealth Management, LLC in Moseley, VA, holding Series 63 and Series 66 licenses with 17 years of industry experience. He has been with Empire Wealth Management since 2010, serving as the sole advisor at the firm. Empire Wealth Management is a small, independent registered investment adviser providing discretionary and non-discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth clients, businesses, charities, and small employer-sponsored retirement plans. The firm employs a combination of Modern Portfolio Theory, long-term purchase strategies, and technical analysis to tailor investment allocations based on client objectives, time horizons, and risk tolerance.

Michael Greer is a financial advisor at Rise Wealth Partners LLC with 19 years of industry experience. His work history includes roles at Modern Capital Advisors, LLC, and Edward Jones, as well as operating Greer Financial Group, LLC. Outside of advisory work, he is involved in managing American Family Bio-Clean LLC and its franchise operations. Rise Wealth Partners LLC provides discretionary portfolio management and financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs model portfolios from third-party sub-advisers and offers asset-allocation review for held-away retirement plan assets, with investment advice tailored to client objectives and risk tolerance.

Jb Bryan is the principal of J. B. Bryan Financial Group, Inc., an independent advisory firm based in Richmond, VA. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. Bryan has led his firm since 1995 and is also a licensed insurance agent for life, health, and property and casualty insurance. J. B. Bryan Financial Group serves a limited client roster that includes individuals, high-net-worth clients, trusts, corporate pension and profit-sharing plans, charitable organizations, and small businesses. The firm offers comprehensive financial planning, consulting, portfolio management, and insurance products, delivering non-discretionary advisory services combined with written plans and tailored recommendations.

James Thornton Jr. is a financial advisor at Fifth Pointe with Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Rocket Mortgage, Capital One, and Money Concepts Capital Corp. Outside of advisory services, he owns and operates an insurance agency offering property, casualty, and health insurance products. Fifth Pointe provides financial planning, consulting, portfolio management, and algorithm-driven robo-advisory services to a diverse client base, including individuals, high-net-worth clients, trusts, estates, and institutional entities. The firm combines traditional advisory services with affiliated insurance and mortgage offerings, seminars, and pension consulting.

Nathaniel Jackson is the sole advisor at Jay Blue Capital and holds a Series 65 designation. He has 11 years of experience working at The Collegiate School. Jay Blue Capital, LLC is a newly registered investment adviser that provides discretionary and non-discretionary portfolio management and investment advice to individuals and business entities. The firm uses Modern Portfolio Theory and the Capital Asset Pricing Model, combining fundamental and technical analysis to manage portfolios across four risk-based strategies, including an options-based Aggressive Growth strategy.

Stephen Trojan is the founder and president of Flatiron Wealth Advisors, LLC, an independent advisory firm based in Henrico, VA. He holds Series 63 and Series 65 licenses and has 16 years of industry experience. Prior to founding Flatiron Wealth Advisors in 2021, he worked at H.D. Vest Advisory Services and H.D. Vest Investment Services for over a decade. He also leads Flatiron Advisors Tax & Accounting, a separate tax and accounting practice he founded in 2002. Flatiron Wealth Advisors provides financial planning and discretionary portfolio management primarily to individual clients, as well as corporations and businesses. The firm emphasizes a Modern Portfolio Theory approach using passive index mutual funds and ETFs, and it offers educational seminars for groups.

John Hopkins is a CFP® and holds a Series 66 designation with 12 years of industry experience. He has worked at Swift Creek Wealth Management since 2019 and previously spent seven years at Summit Financial Planning. Swift Creek Wealth Management provides discretionary portfolio management and financial planning services primarily to individual clients, including both non-high-net-worth and high-net-worth households, as well as occasionally advising other advisers. The firm employs tailored investment strategies using mutual funds and exchange-traded funds, with accounts typically managed on a discretionary basis and reviewed regularly.

Stuart Hunsicker is the owner and managing member of Purpose Driven Wealth Advisors LLC in Richmond, VA. He holds the ChFC® designation and Series 65 and 66 licenses, with 11 years of industry experience. Prior to founding Purpose Driven Wealth Advisors in 2025, he operated Purpose Driven Retirement Planners since 2016. Purpose Driven Wealth Advisors provides discretionary and non-discretionary asset management, financial planning, and consulting services to individuals, high-net-worth individuals, and business entities, employing both in-house portfolio management and third-party manager referrals.

Bradley Carnahan is the principal of Carnahan Capital Management, LLC, an independent registered investment adviser based in Midlothian, VA. He holds the Series 65 designation and has three years of industry experience. Prior to founding his firm in 2023, he worked at Markel Group for four years and Cherry Bekaert LLP for another four years. Carnahan Capital Management provides discretionary asset management services to individuals, high-net-worth clients, trusts, foundations, and business entities. The firm emphasizes a bottom-up stock selection process with fundamental and qualitative analysis, focusing on longer-term holdings combined with periodic rebalancing and risk monitoring.

Jessica Casey is a financial advisor at Five Lakes Advisory LLC with 11 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at JPMorgan Chase Bank NA and J.P. Morgan Securities from 2014 to 2025. Jessica also provides trustee services through a separate entity. Five Lakes Advisory is an independent registered investment adviser focused on financial consulting, investment research, and reporting for institutional and pooled-vehicle clients, as well as high-net-worth families, charities, and businesses. The firm emphasizes alternative investments and manager evaluation, relying on qualitative and quantitative research without discretionary trading authority.

Nicholas King is a financial advisor at Limiter Financial LLC with a Series 65 credential and one year of industry experience. His prior roles include positions at Kuba Ventures, VInvesto, Inc., TSW, and Taylor Hoffman Wealth Management. He is affiliated with Kuba Ventures, where he dedicates significant time. Limiter Financial provides discretionary and non-discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and corporations. The firm employs a tailored approach combining fundamental analysis and modern portfolio theory, offering portfolio management with integrated financial planning at no additional cost.

Randy Kolenda is a financial advisor at NorthStar Wealth Management LLC with 15 years of industry experience. He holds the Series 66 designation and has worked at firms including Resurgent Financial Advisors LLC, Kingswood Capital Partners, Hayden Royal, and Wells Fargo Clearing. NorthStar Wealth Management LLC provides discretionary portfolio management and financial planning services to individual and high-net-worth clients. The firm employs a blend of fundamental and technical analysis with modern portfolio theory to build long-term, risk-aligned portfolios and offers an invitation-only Comprehensive Financial Leadership program that coordinates specialists to address complex client needs.

Too often, people are given more complexity, more products, and more jargon when what they really need is someone who will listen carefully, explain things plainly, and help them make wise decisions about the life they are building. FirstFruits was created around a simple idea: money is a tool, not the goal. The real questions are bigger than investment returns: When can I retire? How can I care for my family? Can I give more generously? What is all this money actually for? I wanted to build a firm where those questions could be answered thoughtfully, without sales pressure or one-size-fits-all advice. That is why FirstFruits is intentionally small, independent, fee-only, and built around long-term relationships. I work with a limited number of families so I can fully know your story, understand what matters to you, and give you straight answers without unnecessary jargon. My office is in Richmond, Virginia, where I live with my wife and two boys (with a baby girl on the way), but I work remotely with clients across the country.

Planning for retirement is overwhelming. You deserve a financial plan that addresses your goals and concerns first – not one built around product sales or a managed investment portfolio. I provide transparent financial planning designed to help you make informed decisions with confidence, without a hidden agenda. My planning process is a comprehensive 60-day financial planning engagement for a flat fee of $3,000. During our time together, we'll evaluate every aspect of your financial life, including: - Retirement cash flow projections - Tax-efficient retirement withdrawal strategies - Roth conversion analysis - Social Security claiming strategies - Investment allocation review - Estate planning coordination - Insurance review - Actionable recommendations tailored to your goals At the end of the engagement, you'll receive a personalized financial plan with clear recommendations and a prioritized action plan you can implement immediately. Financial Planning First Clients simply want objective and informed financial advice. My process always begins as a standalone financial planning engagement. There is no obligation to move your investments or purchase any additional services. My goal is to provide practical, unbiased advice that helps you make better financial decisions. Investment Management—If You Want It For those who want professional investment management, I offer portfolio management and ongoing financial planning designed to keep your investment strategy aligned with your retirement and tax goals. This service is entirely optional and can range between $3,000 to no more than $7,200 depending on account size. We can discuss whether ongoing investment management makes sense for your situation after your financial plan is complete. Who I Work With I work best with people who are: - Within 10–15 years of retirement - Recently retired - Looking to reduce lifetime taxes in retirement - Wondering when to claim Social Security - Deciding how to draw income from retirement accounts - Seeking objective financial advice without sales pressure - Looking for a fiduciary financial planner who puts their interests first Why Clients Choose Me - Transparent flat-fee pricing - Fiduciary advice focused on your best interests – no commissions or product sales - Retirement and tax planning expertise - Personalized recommendations - Consistent communication and pre-scheduled meetings - Optional investment management for those who want ongoing support

Matthew Romeo is a CFP® professional based in Richmond, VA, with nine years of industry experience. He is the sole advisor at Kitchen Table Financial Planning, an independent firm he joined in 2026. His prior experience includes roles at Simplicity Wealth Management, Enriched Advice, SBK Financial, and Atlas Financial. Kitchen Table Financial Planning offers wealth management and financial planning services to individual and high-net-worth clients. The firm employs a diversified investment approach incorporating modern portfolio theory and fundamental analysis, providing both discretionary portfolio management and comprehensive financial plans with flexible fee structures.

I’m a CFA® Charterholder, CERTIFIED FINANCIAL PLANNER™, and Enrolled Agent with 20 years of experience in the financial industry. Prior to becoming a financial advisor, I served for a few years in the US Army's 75th Ranger Regiment. I'm a major believer in the old saying "a failure to plan is a plan to fail." That being said, plans needn't be complex or 400 pages long. More often, a simple, single-page plan that everyone can understand is more powerful. Some fun facts about me: Favorite Board Game: Stratego Favorite Hobbies: Kayaking, windsurfing (I'm working on it), swimming, or anything on the water. Favorite Day Trip: Fredericksburg, floating down the Rappahannock River and looking for otters and bald eagles. Education: BS in Commerce, University of Virginia

Being the son of a CPA, I have always had a keen interest in finance. Along with my other two siblings, I spent a few tax seasons in my father’s office helping where I could and learning the basics of the tax universe. After my time at Virginia Tech, I spent 5 years in Northern Virginia in the hospitality industry, from country clubs to selling wine (fun!!). After the arrival of my first daughter, my wife, Emily, and I returned to our roots in Richmond. I joined his father at his firm in 2018 and made quick work of learning the financial planning world. My goal is to take the questions and stress out of my clients' financial situation, so they can live the life they’ve always wanted. I believe that everyone should have access to a financial planner, whether they have substantial assets, or are just starting to save. You’ve got questions, the Hussmen have the answers!