Richard Gardner is a CFP® and Series 65-licensed financial advisor with 20 years of industry experience. He has been the sole advisor at Lionheart Financial Planning, Inc. since 2004. Lionheart Financial Planning, Inc. is an independent, fee-only firm serving individuals, charitable organizations, and small businesses. The firm provides comprehensive financial planning and investment management, emphasizing written plans, investment policy statements, and quarterly reporting, with a core-and-satellite investment approach that primarily uses passive index and ETF holdings.

David Thompson is a financial advisor at Petra Wealth Management with six years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sovereign Capital Vantage, Inc. for five years. Outside of finance, he was involved with Prestige Ballroom LLC for seven years. Petra Wealth Management is a fee-only registered investment adviser serving individuals, trusts, small businesses, and a diverse range of institutional and nonprofit clients. The firm develops client-specific investment policies and manages portfolios on a discretionary basis, combining fundamental and technical analysis while offering extensive planning services including business planning, divorce financial analysis, and estate planning support.

Omen Quelvog is a CFP® and Series 65-registered financial advisor with two years of industry experience. He is the sole advisor at Formynder Wealth Management, LLC and previously served 25 years in the United States Marine Corps. Formynder Wealth Management provides financial planning and discretionary investment management to individuals, including high-net-worth clients. The firm’s investment approach emphasizes asset allocation and Modern Portfolio Theory, primarily using passive vehicles, and offers tailored portfolios including socially responsible investing options.

Virgil Folden is a financial advisor with Fredericksburg Financial Planning Services, Inc. in Fredericksburg, VA, holding a Series 63 designation and over 43 years of industry experience. He has worked at Saxony Securities and Sandlapper Securities, and has been involved with Fredericksburg Financial Services since 1982. Outside of advisory work, he serves as a Board Chairman for the Spotsylvania County Board of Equalization, is President of the Finance Committee at Trinity Episcopal Church, and coaches middle school football. Fredericksburg Financial Planning Services serves individual clients, including high-net-worth individuals and business owners, providing comprehensive financial planning in areas such as retirement, tax, risk management, and estate planning. The firm takes a long-term investment approach, offering clients choice in transaction execution without taking custody of assets or using percentage-of-assets billing. The principal also provides tax preparation and financial analysis for divorce cases, combining advisory services with product sales in a manner uncommon among independent solo advisors.

Quiltina Smith is a financial advisor with The Financial T, LLC, holding Series 63 and Series 65 registrations and bringing 11 years of industry experience. She previously worked at First Command Advisory Services, First Command Insurance Services, and First Command Financial Planning. The Financial T serves individual clients and employer plan sponsors, focusing on non-discretionary portfolio management and comprehensive financial consulting. The firm employs a passive investment approach based on Modern Portfolio Theory, using index mutual funds and ETFs, and provides employee benefit plan consulting alongside regular account reviews.

Christopher Park is the sole advisor at Park Financial Planning Solutions, LLC in Stafford, VA, holding a Series 65 credential with one year of industry experience. He has concurrently worked at the Department of Justice since 2008. Park Financial Planning Solutions, LLC provides financial planning, portfolio management, consulting, and educational seminars to individuals, high-net-worth individuals, and families. The firm emphasizes client-specific investment plans using asset allocation, diversification, and strategic portfolio management, with a notable focus on non-discretionary asset management and public seminars, including sessions on the FERS retirement system for federal employees.

Lamont Brown is a CFP® professional with 15 years of industry experience. He is the principal advisor at Alna Wealth Management, having previously worked at Mariner Independent Advisor Network, Private Advisor Group, and TIAA-CREF Individual and Institutional Services. In addition to his advisory work, Mr. Brown is licensed as an insurance agent and serves as a group leader for the Mergers & Acquisitions Affinity Group at ProVisors, a financial services networking organization. Alna Wealth Management provides discretionary investment management, financial planning, and retirement plan advisory services to individuals, high-net-worth clients, businesses, and employer-sponsored plans. The firm uses a long-term, fundamental analysis approach to build diversified portfolios with low-cost mutual funds and ETFs and offers fiduciary retirement plan advisory services including vendor analysis and participant education.

Jeffrey Smith is a financial advisor at The Retirement Smith LLC with nine years of industry experience. He holds a Series 65 designation and has previously worked at Gradient Advisors, LLC. In addition to his advisory role, he is the owner of Michah Creek Farm LLC, a land development business. The Retirement Smith LLC provides financial planning and consulting services to individuals, high-net-worth clients, and business entities, focusing on tailored plans related to cash flow, retirement, tax reduction, and estate preservation. The firm does not hold client assets directly and typically refers clients to third-party managers for ongoing asset management.

Christopher Keeney is a financial advisor at The Retirement Smith LLC with seven years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Wyatt Investment Research, Boynton Beach Realty, and Saybrus Equity Services. The Retirement Smith LLC provides financial planning and consulting services to individuals, high-net-worth clients, and business entities, offering tailored financial plans focused on cash flow, retirement strategy, tax reduction, and estate preservation. The firm conducts public seminars and workshops on investment topics and refers clients to third-party asset managers while serving as a liaison.

Nora Hartquist is a financial advisor with GuidedQuest, LLC, holding Series 63 and Series 65 designations and possessing 15 years of industry experience. She has been with GuidedQuest since 2016 and is also the owner and managing member of 50 Plus Digital, LLC. Additionally, she manages Hartquist & Noblet, LLC, an insurance agency involved in estate planning. GuidedQuest serves individuals, trusts, and estates by providing comprehensive financial planning, hourly consultations, and investment monitoring, referring clients to third-party portfolio managers for discretionary asset management rather than managing portfolios directly. The firm operates on a fixed and hourly fee model and does not take custody of client assets, conducting periodic reviews while sharing compensation with recommended third-party advisors.

Patti Lerch is a financial advisor with GuidedQuest, LLC, holding a Series 65 designation and bringing 13 years of industry experience. She has worked with GuidedQuest since 2016 and with Harquist & Noblet since 2013. Outside of financial advising, she works as a paraprofessional supporting children with special needs in the Stafford County Public Schools system. GuidedQuest serves individuals, trusts, and estates by providing comprehensive financial planning, hourly consultations, and investment monitoring and referral services. The firm focuses on detailed client information gathering, coordinating with third-party advisors for portfolio management, and operates on a fixed and hourly fee basis rather than a percentage-of-assets model.

Linda Mmera is a financial advisor with Navy Federal Investment Services, LLC and holds the Series 66 designation. She has held various roles in financial services since 2022, including positions at Bankers Life and Bank of America-Merrill Lynch. Outside of finance, she worked with Liberty Language Service and studied at the University of Nottingham. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union, individual investors, and trusts by offering portfolio management, financial planning, retirement-plan fiduciary services, and an automated ETF-based Digital Investor product. The firm uses model portfolios managed by third-party portfolio managers and provides account monitoring, rebalancing, and optional tax and impact overlay services.

Noah Snead is a CFP® with four years of industry experience, currently affiliated with Cary Street Partners. His career history includes roles at various Cary Street Partners entities since 2021 and prior work in retail and food service. Cary Street Partners serves a diverse range of clients, including individuals, corporations, trusts, and retirement plans, providing portfolio management, financial planning, and access to proprietary investment strategies through its asset-management affiliate. The firm employs AI tools to support research and portfolio modeling while maintaining human oversight for final decisions.

Jonathan Scimeca is a CFP®-certified advisor at Cary Street Partners with 10 years of industry experience. He has been with Cary Street Partners Investment Advisory LLC and Cary Street Partners LLC since 2015. Scimeca serves as a successor trustee, executor, and durable power of attorney for a family member’s living trust, though he is currently not active or compensated in this role. Cary Street Partners serves a diverse client base including individuals, corporations, trusts, and institutional clients. The firm offers a wide range of services such as portfolio management, financial planning, and retirement plan fiduciary services, utilizing proprietary strategies, third-party managers, and AI tools to support portfolio construction and monitoring.

Justin Bernier is a financial advisor with Integrated Advisors Network LLC and holds a Series 66 designation. He has 13 years of industry experience, including prior roles at Morgan Stanley Wealth Management and Morgan Stanley Private Bank. Bernier is also CEO and CIO of NSG Index, LLC, which manages an ETF focused on emerging markets screened for U.S. national security and human rights interests, and is a founding partner of All Source Investment Management, specializing in emerging market research. Integrated Advisors Network is a multi-team SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, retirement plans, and corporate entities. The firm offers portfolio management, financial planning, and consulting services using a mix of fundamental and quantitative analysis and frequently employs third-party sub-advisers and wrap-fee programs in its client solutions.

Walter Bayne is a Series 66 licensed financial advisor with 24 years of industry experience. He has been with Cary Street Partners since 2007. Outside of his advisory role, he is an owner and partner in a microbrewery specializing in craft cider and beer and serves on the advisory board for the Financial Planning major at Pamplin College of Business, Virginia Tech, where he helps develop curriculum for students entering the financial planning industry. Cary Street Partners provides wealth management and advisory services to a diverse client base, including individual investors, charitable organizations, corporations, retirement plans, and institutions. The firm offers portfolio management, financial and retirement planning, and access to alternative investments, utilizing both third-party managers and proprietary strategies.

Anita Lewis is a financial advisor at Cary Street Partners with 28 years of industry experience. She has been with Cary Street Partners since 2007 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she manages NITARTSHOP, LLC, a business selling original artwork, vintage and antique home décor, and collectibles. Cary Street Partners provides discretionary and non-discretionary wealth management services to a diverse client base, including individuals, charitable organizations, corporations, and retirement plans. The firm offers portfolio management, financial and retirement planning, access to alternative investments, and lending and insurance solutions, using both third-party managers and in-house resources.

Xiomara Diaz is a financial advisor with Navy Federal Investment Services, LLC, holding Series 65 and Series 63 licenses and bringing nine years of industry experience. She has previously worked with Wells Fargo Clearing and Wells Fargo Bank and is the owner of B&E Mechanical LLC, a company specializing in HVAC and duct system services. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, offering financial planning, retirement-plan fiduciary services, and portfolio management through advisory and brokerage channels. The firm utilizes third-party portfolio managers on the Envestnet platform and provides a range of sub-advisers and overlay services, maintaining responsibility for client suitability and manager oversight.

Kevin Lynch is a financial advisor with Cary Street Partners and holds a Series 66 designation. He has three years of industry experience, including prior work at Equitable Advisors. Outside of finance, he teaches private music lessons in the Stafford area. Cary Street Partners serves a diverse client base, including individuals, corporations, trusts, and institutional clients, offering a range of portfolio management and financial planning services. The firm employs a client-focused investment approach supported by proprietary strategies, third-party managers, and AI-assisted research tools.

Andre Pineda is a Series 66-licensed financial advisor with Cary Street Partners in Fredericksburg, VA, where he has worked since 2007, accumulating 22 years of industry experience. He is president and owner of Sophiola, a business he created with his wife centered on their child's artwork. Pineda also serves as treasurer for the National Down Syndrome Congress and the Fredericksburg Free Press, and holds board positions with several nonprofit organizations including the Fredericksburg Food Co-op and Rappahannock Goodwill Industries. Cary Street Partners provides discretionary and non-discretionary wealth management and advisory services to individuals, charitable organizations, corporations, retirement plans, and institutions. The firm employs a range of investment strategies across traditional and alternative asset classes, combining third-party managers and in-house resources to tailor client portfolios.