William Cameron is a CERTIFIED FINANCIAL PLANNER™ professional with 29 years of experience. He has been the sole advisor at Third Millennium Advisors, Inc. since founding the firm in 1997 in Barboursville, Virginia. Third Millennium Advisors is an independent, state-registered investment adviser serving a small roster of individual clients, both high-net-worth and non-high-net-worth. The firm provides discretionary portfolio management, financial planning, and consulting, employing a blend of fundamental, technical, quantitative, and qualitative analysis to develop personalized investment policies.

Michael Karwic is a CFP® professional with 29 years of industry experience, currently serving as an advisor at Glenayr Family Advisors LLC. His prior roles include positions at Morgan Stanley, Merrill, Lincoln Investment, and other firms. Outside of financial advising, he teaches Transition Finances as a faculty member with The Sudden Money Institute and owns a woodworking business through Apogee Innovations, LLC. Glenayr Family Advisors works with individuals, couples, professionals, business owners, and multi-generational families, including those facing sudden wealth or major life transitions. The firm emphasizes values- and goals-based life planning using the Kinder Method and provides educational seminars, referring clients to third-party money managers rather than managing portfolios directly.

Peggy Frye is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Glenayr Family Advisors LLC. Her prior experience includes roles at Citigroup Global Markets, Citicorp Investment Services, Walsh & Associates, LLC, and Independent Financial Partners. Outside of advising, she is an adjunct instructor at the Kinder Institute of Life Planning and the Financial Transitionist Institute and co-owns a working farm that breeds championship show dogs and Angus beef cattle. Glenayr Family Advisors provides holistic financial life and transition planning to individuals, couples, professionals, business owners, and multi-generational families. The firm focuses on values- and goals-based planning, offers educational seminars, and refers clients to third-party money managers rather than managing portfolios directly.

Letitia Scalise is a financial advisor with Indivisible Partners, holding Series 63 and Series 65 licenses and five years of industry experience. She has worked at Somerset Advisory, Quasar Distributors, and Torray Investment Partners, where she was a partner managing client relations and marketing. Indivisible Partners is an SEC-registered firm serving individuals, high-net-worth clients, trusts, charitable organizations, and businesses. The firm employs a strategic asset allocation framework with active, passive, or blended investment approaches tailored to client risk profiles and offers access to third-party managers, model portfolios, and alternative investments.

David Parkinson is a CFA® charterholder based in Orange, Virginia, with 23 years of experience in the financial services industry. He has worked at Greylin Investment Management Inc for over three decades and held roles at Pgi Wealth Management before joining CWM, LLC and Carson Wealth in 2026. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios on a discretionary basis using model portfolios and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools, with an emphasis on retirement plan services and transparent conflict-of-interest disclosures.

Gregory Lohr is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at MML Investors Services and Massachusetts Mutual Life Insurance Company before joining Commonwealth and founding Lohr & Company, LLC. Outside of advisory work, he is president and co-owner of Rehoboth Farms, LLC, which manages a private farm raising Angus steers and rents property as a wedding venue, and is co-owner of 4 Buckets Retirement, LLC, a book sales and intellectual property business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs, technology, and operational support. The firm offers discretionary model portfolios and customized investment solutions while operating as a platform provider for affiliated advisors.

Ethan Lohr is a CFP® with 10 years of industry experience, currently affiliated with Commonwealth Financial Network. He has worked at Commonwealth and Lohr & Company, LLC since 2020 and previously at Mass Mutual Investors Services from 2015 to 2020. Lohr is co-owner of 4 Buckets Retirement, LLC and author of the book "The Four Buckets." Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, investment management, and practice-management support, allowing advisors discretion in portfolio construction alongside model portfolios managed by its Investment Management and Research team.

Joel Marks is a financial advisor with Ameriprise in Madison, VA, holding the ChFC® designation and Series 63 and 66 licenses. He has 49 years of industry experience and previously worked at firms including Cuna Mutual Group and Capital One Financial Advisors. Outside of his advisory role, he hosts the Money Success Radio Program and serves as an ordained minister providing pulpit supply. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which combines written recommendations with ongoing tax-aware withdrawal guidance.

Robert Butterworth is a financial advisor with Ameriprise in Madison, Virginia, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its related entities since 2009. Outside of his advisory role, he has involvement in real estate ownership unrelated to investment activities. Ameriprise is an institutional firm serving clients, particularly those nearing or in retirement with significant investable assets, through its retirement-income planning service. The firm combines research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations, supported by a centralized consulting team.

Jeffrey Earnhardt is a financial advisor with Edward Jones in Orange, Virginia, holding Series 63 and Series 66 credentials and possessing 27 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1998. Outside of his advisory role, he manages a real estate business called New Beginnings Properties. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large network of financial advisors and branch offices nationwide.

Tyler Herring is a financial advisor at Edward Jones in Gordonsville, VA, holding the Series 66 designation with 10 years of industry experience, all spent at Edward Jones since 2016. Outside of his advisory work, he serves in leadership roles within the Church of Jesus Christ of Latter Day Saints and operates a short-term rental business at Wintergreen Resort, VA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs with discretionary and non-discretionary strategies, supported by a large network of financial advisors and branch offices nationwide.

Shaylyne Gough is a financial advisor with Edward Jones in Orange, VA, holding Series 63 and Series 66 credentials and eight years of industry experience. She has been with Edward Jones since 2002. Outside of advising, she serves as an ambassador for Plexus, a health-related business based in Scottsdale, AZ. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Robert Shreve is the sole advisor at KAIROS LLC, an independent investment management firm based in Orange, Virginia. He holds Series 63 and Series 65 designations and has 24 years of industry experience. His prior work includes long-term roles with The Mutual Life Insurance Company of New York and operating a sole proprietorship under the name Kairos. KAIROS LLC provides discretionary investment management primarily for pooled investment vehicles and institutional accounts, while also serving individual clients across a range of net worth levels. The firm maintains a small scale with a focus on governance and conflict management as outlined in its regulatory filings.