Lars Lassen is a CFP® with 15 years of experience and is the sole advisor at Magnolia Lane Capital, LLC, an independent firm he has led since 2015. He serves as a trustee of the Lassen Irrevocable Family Trust and is involved in community activities as a board member of the Hampton Roads Academy Alumni Council and a volunteer mentor with the Oyster Point Rotary Club. Magnolia Lane Capital provides discretionary investment advisory and portfolio management services to individuals, high-net-worth clients, charitable organizations, and businesses. The firm employs a value-oriented, fundamental stock-picking approach focused on selecting securities trading below intrinsic value, with portfolios tailored to clients’ risk tolerance and income needs.

Jonathan West is a financial advisor at Montgomery Capital Management, LLC with 23 years of industry experience. He holds the Series 66 designation and has worked at Montgomery Capital Management since 2003. West is also the director of College Funding Group, LLC, where he provides advice on college funding, financial aid opportunities, and scholarship sources. Montgomery Capital Management serves individual and high-net-worth clients, as well as pension plans, trusts, estates, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management combined with college-funding consulting, employing an actively managed, top-down investment approach that adjusts portfolios based on a range of economic and market factors.

Zachary Bond is the principal advisor at Bond Financial Planning, LLC in Hampton, VA. He holds a Series 65 designation and has experience working as an engineer at Newport News Shipbuilding. Bond founded Bond Financial Planning, an independent registered investment adviser that provides discretionary investment management and financial planning for individual and high-net-worth clients. The firm emphasizes a long-term, fundamental-analysis approach and constructs portfolios primarily using ETFs and mutual funds, with occasional use of individual securities.

Marco Johnson is the sole advisor at Intentional-Growth Advisors LLC in Newport News, VA, holding Series 63 and Series 65 credentials with 14 years of experience in financial services. He previously worked with Primerica Advisors and Primerica Financial Services for over a decade and concurrently serves as a systems analyst at the Naval Information Warfare Center Atlantic since 2003. Additionally, Mr. Johnson creates financial education content under his personal brand H.I.M.E. through various digital platforms. Intentional-Growth Advisors LLC serves individuals, families, trusts, small businesses, charitable organizations, and retirement accounts, offering portfolio management and wealth planning through various fee structures. The firm combines passive and active investment strategies using both fundamental and technical analysis and integrates behavioral finance and client education via the proprietary H.I.M.E. framework as an educational tool alongside advisory services delivered under a fiduciary standard.

William Carbonell is a financial advisor at Arion Wealth Management LLC, holding a Series 65 designation and beginning his advisory career in 2026. He has prior work experience at Huntington Ingalls Industries and the City of Monrovia. Outside of his advisory role, he maintains employment as an engineer. Arion Wealth Management provides discretionary asset management primarily to individual and high-net-worth clients, offering investment selection, asset allocation, and portfolio monitoring aligned with client goals and risk tolerances. The firm uses both fundamental and technical analysis and allows clients to impose investment restrictions without requiring a minimum account size.

Oscar Alvarez is a CFP® professional with 23 years of industry experience, currently serving as the sole advisor at Pathway Financial Planning, Inc. in Newport News, VA. He has led his independent firm since 2014 and has operated a related financial services business since 2011. In addition to advisory work, Mr. Alvarez spends a significant portion of his time offering insurance products through a separate affiliated business. Pathway Financial Planning, Inc. provides fee-based investment management and financial planning services to individuals and small businesses, primarily through non-discretionary mandates. The firm offers tailored investment strategies, combines direct management with third-party managers, and conducts educational seminars and workshops for clients.

Steven Winter is a financial advisor at Edgewater Asset Management in Virginia Beach, VA, holding Series 63 and Series 65 designations with 22 years of industry experience. He has been with Edgewater Asset Management since 1996. Edgewater Asset Management serves a limited clientele of individuals, families, trusts, and corporations with personalized portfolio management and consulting services. The firm operates as a fee-only fiduciary, emphasizing a top-down economic investment approach with active sector allocation and tailored advice based on client objectives and tax considerations.

Andrew Meredith is a financial advisor at Tyton Wealth with a Series 65 designation and two years of industry experience. He has held roles at Meredith Consulting KK and Tyton Capital Advisors prior to his current position. Outside of advising, Meredith is the owner and CEO of Global Admin Services LTD, a management consulting firm serving foreign companies in the non-U.S. domiciled insurance industry. Tyton Wealth Management provides discretionary portfolio management and investment planning primarily to individual and high-net-worth clients, employing a mix of cyclical, fundamental, and technical analysis alongside modern portfolio theory. The firm manages approximately $28.5 million in assets and utilizes ETF-based portfolios as well as a range of other securities, implementing both long-term and higher-risk strategies on a discretionary basis.

Matthew Umlauf is a financial advisor with Forefront Asset Management, LLC, holding a Series 65 designation and nine years of industry experience. He has been with Forefront since 2016. In addition to his advisory role, Mr. Umlauf is a professional musician and a member of the Virginia Symphony Orchestra, where he maintains an active concert schedule. Forefront Asset Management provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm offers holistic planning and employs a mix of fundamental and technical analysis to create individualized investment plans.

Lynne Mallory is a CFA® charterholder with 22 years of industry experience. She has been with Edgewater Asset Management since 1991. The firm serves a limited clientele of individuals, families, trusts, and corporations, providing fee-only fiduciary discretionary investment management and fixed-fee consulting services. Edgewater’s investment approach combines top-down economic analysis with active sector allocation, using a range of securities tailored to client objectives and tax considerations.

Martin King is a Series 65-licensed financial advisor at Tyton Wealth with two years of industry experience. He has prior experience managing client relationships and consulting on international investment and insurance through Tyton Capital Advisors from 2013 to 2018. Outside of his advisory work, King serves as CEO of Housekey, a real estate investment and consulting firm based in Tokyo. Tyton Wealth Management provides discretionary portfolio management and investment planning primarily to individual and high-net-worth clients, utilizing a combination of cyclical, fundamental, and technical analysis alongside modern portfolio theory. The firm manages approximately $28.5 million in assets across 34 client relationships and employs both long-term and higher-risk trading strategies, including options and margin transactions.

Robert Messer is a CFP®-designated financial advisor with 19 years of industry experience. He has been with Forefront Asset Management, LLC since 2015 and also serves as president of Bayside Financial Group Inc. in Virginia Beach. Messer is licensed to sell non-variable life insurance through Raymond James Insurance Group, where he works part-time as an insurance agent. Forefront Asset Management, LLC provides financial planning and portfolio management services to individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm employs a holistic planning approach and uses a combination of fundamental and technical analysis to manage portfolios, which include mutual funds, ETFs, common stock, and other investment vehicles.

Luke Messer is a financial advisor at Forefront Asset Management, LLC in Virginia Beach, VA. He holds a Series 65 designation and has three years of industry experience, all with Forefront Asset Management. Forefront Asset Management serves individuals, retirement plans, corporations, trusts, estates, and charitable organizations, managing approximately $137 million in regulatory assets for about 300 clients. The firm provides holistic financial planning and consulting alongside portfolio management, using a mix of fundamental and technical analysis, and offers services including retirement planning, estate planning, education planning, wealth transfer, family office services, and private asset management.

Kenneth Mason is a financial advisor with Mason & Associates, LLC in Newport News, VA, holding Series 63 and Series 65 designations and 36 years of industry experience. He has worked at Mason & Associates since 2010 and previously spent 17 years at Centaurus Financial, Inc. Mason & Associates, LLC provides investment management and financial planning services to individuals, high-net-worth clients, and trusts. The firm employs diversified, risk-based model portfolios using mutual funds and ETFs and offers both discretionary and non-discretionary management, often utilizing independent sub-advisers while maintaining oversight. The firm also delivers educational seminars, particularly on federal employee retirement benefits, and coordinates tax services through third-party consultants.

Phillip Saunders is a Series 65 credentialed advisor at Joss Brown Wealth Advisors with four years of industry experience. He has worked with Joss Brown Wealth Advisors and its affiliated group since 2021. His prior roles include positions at Virginia Tech and Partners in Financial Planning, as well as involvement with the Virginia Future Farmers of America Association and Crossroads Camp. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, charitable organizations, and other entities, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in assets and offers a combination of digital platforms, third-party managers, and personalized planning services.

Arcelia Wicker is a financial advisor at Bay Capital Advisors, LLC with three years of industry experience. She holds the ChFC® designation and the Series 65 license. Prior to joining Bay Capital Advisors, she served in the United States Navy for seven years. Bay Capital Advisors is a fee-only advisory firm serving individual and high-net-worth clients, as well as business and charitable entities. The firm employs a top-down macroeconomic and fundamental analysis approach combined with a core-satellite implementation, managing approximately $196 million across about 175 client relationships.

Simcha Terwilliger is a CFP® and holds a Series 65 license with eight years of industry experience. He is currently with SLP Wealth and has prior experience at Fox & Company Wealth Management and The Advisory Firm of Katherine L. Brown, LLC. Terwilliger also works as a student loan consultant, providing repayment and forgiveness planning for federal and private student loans. SLP Wealth is an SEC-registered advisory firm serving individual clients and small-business owners with discretionary investment management and financial planning. The firm uses diversified, risk-based portfolios primarily composed of no-load mutual funds and ETFs and offers additional services such as tax preparation and non-discretionary 401(k) plans.

Mason & Associates is an independent, fee-only financial planning firm located in Newport News, Virginia. We provide ongoing comprehensive financial planning and tax planning advice to clients locally and throughout the United States. Our financial advisors specialize in providing financial planning advice to federal employees who are covered by the Federal Employee Retirement System (FERS) and Civil Service Retirement System (CSRS). The financial planning team helps federal employees maximize federal benefits and provides guidance in all areas of financial planning such as retirement planning, tax planning, and estate planning. Not a federal employee? No problem! We serve a variety of clients who have no ties to the federal government other than the taxes they pay. Our financial planning process and client experience allows us to serve families who are already retired or actively working. John leads Mason & Associates as President and Senior Financial Planner, bringing over 15 years of specialized expertise in federal employee financial planning. A CERTIFIED FINANCIAL PLANNER™ since 2012, John has built a reputation for delivering comprehensive, client-centered guidance across tax, retirement, and estate planning. John earned his Bachelor of Science in Business from Virginia Tech’s Pamplin School of Business, where he also completed his CFP® education requirement. He is an Investment Advisor Representative and maintains a Virginia Life and Health Consultant License. John is a member of the following professional organizations: •National Association of Personal Financial Advisors •XY Planning Network •Financial Planning Association As co-host of the Federal Employee Financial Planning Podcast, John has become a recognized voice in the federal benefits space. He is a sought-after speaker at industry conferences and educational events for federal employees, and his insights have been featured in leading publications. Outside the office, John and his wife, Sara, both Virginia Tech graduates, enjoy skiing, snowboarding, and exploring the outdoors in their camper. They’re proud parents to a young son who’s best friends with their golden retriever, Penny.

Michael Mason is a Certified Financial Planner™ (CFP®) and Chartered Financial Consultant® (ChFC®) with 39 years of experience in the financial services industry. He has been with Mason & Associates, LLC since 2010 and previously worked at Centaurus Financial, Inc. for 17 years. Mason leads a team of seven advisors based in Newport News, VA. Mason & Associates, LLC provides investment management and ongoing financial planning to individuals, high-net-worth clients, and trusts. The firm utilizes diversified, risk-based model portfolios primarily through mutual funds and ETFs, often collaborating with independent sub-advisers for portfolio management while retaining oversight. They also offer standalone services such as divorce planning, tax preparation facilitation, and educational seminars, including topics on federal employee retirement benefits.

Katherine Brown is a CFP® with 21 years of experience in financial advising. She currently works at Joss Brown Wealth Advisors, where she has been with the firm since 2020, following 15 years operating her own advisory firm. Outside of her advisory role, she is a 50% owner of Maison Brune Investments, LLC, a real estate investment business she manages with her spouse. Joss Brown Wealth Advisors serves individuals, high-net-worth households, retirement plans, and charitable organizations, providing financial planning, investment management, and non-investment consulting on a fee-only basis. The firm manages approximately $162 million in regulatory assets and offers a combination of discretionary and non-discretionary services through multiple platforms and third-party managers.