Spencer Werres is a CFP® with six years of industry experience, currently serving at OLIO Financial Planning. His prior experience includes roles at Edward Jones and Silver Creek Orchards, as well as time at Virginia Tech. OLIO Financial Planning manages approximately $600 million across several hundred client relationships, serving individuals, retirement plans, charitable organizations, and corporations. The firm employs a buy-and-hold, core-and-satellite investment approach incorporating fundamental, technical, charting, and cyclical analysis, and offers financial planning through broad-based or modular engagements.

Joanne White is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 31 years of industry experience. She previously worked at First Investors Corporation for 25 years and Foresters Advisory Services for three years. Joanne serves as secretary for both the Nelson Rotary Club and the Westwood Property Owners Association. Cetera Investment Advisers LLC is an SEC-registered firm that provides financial planning and portfolio management services to individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of program options and oversees more than $256 billion in assets managed by over 10,000 advisors nationwide.

Connie Russell is a financial advisor at Ameriprise with 41 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing tailored 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 deliver these recommendations through a centralized consulting team.