Steven Schetrom II is the sole advisor at Legacy Financial in Front Royal, VA, holding a Series 66 designation with 18 years of industry experience. He has been with Legacy Financial since 2010. Outside of his advisory role, he co-owns a recreational campground in Middletown, VA, which is operated full-time by his spouse. Legacy Financial offers customized financial planning and discretionary portfolio management for individuals, trusts, charitable organizations, and small businesses. The firm emphasizes a structured planning process and an investment approach focused on long-term asset allocation, diversification, quality, and value.

Michael Poole is a financial advisor with CSP Financial Group LLC, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His prior roles include positions at LifeTyme Financial Advisors, Prosperity Capital Advisors, and operating Poole Financial Group, Inc. dba Synergy Financial Group, where he has provided financial advisory and insurance services. CSP Financial Group offers discretionary asset management, financial planning, and retirement-plan services to individuals, high-net-worth clients, and business entities. The firm’s investment process incorporates Modern Portfolio Theory principles, asset allocation, and ongoing rebalancing, often utilizing third-party managers such as Matson Money to implement model portfolios.

Robert Witherall II is a Series 66 credentialed financial advisor with experience at Navy Federal Investment Services, LLC since 2024. He previously worked at Edward Jones from 2021 to 2024 and has held positions in various other industries including marketing and water services. Navy Federal Investment Services serves members of Navy Federal Credit Union as well as individual, trust, and institutional clients, offering portfolio management, financial planning, retirement-plan fiduciary services, and automated investment options primarily through managed advisory programs with third-party portfolio managers.

Allen Fredericks is a financial advisor with First Advisors National, LLC, holding a Series 65 credential and eight years of industry experience. He has been a partner at Fredericks & Associates, an insurance services firm in Stephens City, VA, since 2012. First Advisors National manages discretionary assets for individual clients, including high-net-worth households, offering investment management, third-party portfolio recommendations, and retirement plan consulting. The firm emphasizes selecting and monitoring third-party money managers and combines tactical and strategic approaches with fundamental analysis for supplemental security recommendations.

Stephen Locke is a CFP® and ChFC® with 18 years of industry experience. He is affiliated with First Advisors National, LLC and has held roles at AlphaStar Capital Management, Amerus, Life/Annuity Insurance Partners Agency, Inc., United Producers Group, and Woodbury Financial Services, Inc. Locke is also a licensed insurance agent and a LegalShield consultant. First Advisors National (FAN Advisors) provides investment management, asset allocation advice, and retirement plan consulting primarily to individual clients, including ERISA plan participants. The firm employs tactical and strategic asset allocation methodologies and typically manages accounts on a discretionary basis through third-party money managers.

Benjamin Cauthorn is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. He has 22 years of industry experience, including 14 years at Edward Jones and nine years at Cornerstone Wealth Management, an independent investment advisory firm he operates alongside his role at LPL. Outside of finance, he is involved in a small engine repair and welding business. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Calan Jansen is a financial advisor with OSAIC Institutions, INC., holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has served as Vice President at Farmers and Merchants Bank since 2016, where he performs lending and opens retail accounts. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients through a network of adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating under a hybrid adviser and broker-dealer model with both discretionary and non-discretionary account management.

Judy Baker is a financial advisor at Empower Advisory Group with one year of industry experience. She holds a Series 66 designation and previously worked at Edward Jones for two years. Prior to her financial services career, she spent over 30 years at Shentel. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage clients. The firm offers integrated services tied to Empower’s recordkeeping and administrative platforms, emphasizing long-term portfolio returns and annual rebalancing.

Bret Hrbek is a CFP® and ChFC® with 25 years of industry experience, currently with Edward Jones since 2000. He serves as chairman of the Finance Committee at Front Royal United Methodist Church and holds board positions with the Front Royal Rotary Club and the Zeta Beta Tau Foundation, where he chairs the Investment Advisory Committee. Additionally, he is a partner in OnionHill, LLC, a retail business producing Christmas ornaments representing Front Royal. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large national network of advisors.

Roy Ruble is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Integrated Wealth Management, Mutual Service Corporation, FSC Securities Corporation, and Capitol Wealth Management. In addition to his advisory work, he provides tax return preparation and bookkeeping services to individuals and self-employed professionals. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers comprehensive financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of strategic and tactical investment options.

Elaine Miller is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. Her previous roles include positions at Momentum Independent Network Inc., Capitol Securities Management, Inc., Anderson & Strudwick, Incorporated, A&S Capital Advisors, Inc., and Morgan Stanley DW Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of investment adviser representatives.

Lora Loving is a Series 66-credentialed financial advisor at Edward Jones in Woodstock, VA, with 18 years of industry experience. She has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a large network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and specialized services.

Emma Stone is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation and previously worked in education and hospitality sectors. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies through a large nationwide network of advisors and branch offices.

Raleigh Kraft is a financial advisor at LPL Financial with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Wells Fargo Advisors, H. Beck, Inc., and Oppenheimer. Outside of advisory work, Kraft manages a farming operation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services through its extensive network of investment adviser representatives, utilizing various investment strategies and technological tools.

Emily Stalbird is a financial advisor at Edward Jones with a Series 66 designation. She has one year of experience in the financial industry, having joined Edward Jones in 2026. Prior to her current role, she worked at Eldor Automotive Powertrain, 7-Eleven, and served in the United States Air Force. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Justin Baker is a CFP® and holds a Series 66 license, with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked for Comfort Inn/Hilton Garden Inn (The Aikens Group) from 2014 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and is known for its large network of financial advisors and branch offices, offering a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Brandon Davis is a financial advisor with Edward Jones, holding a Series 66 designation and one year of industry experience. His prior work history includes roles at KPMG LLP, Bryce Resort, and Ernst & Young LLP. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Ann Stalbird is a Series 66-credentialed financial advisor with Edward Jones, based in Woodstock, VA. She has 17 years of industry experience and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors and operates under a fiduciary standard.

David Thompson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2024 and previously spent seven years with Securities America Advisors. Thompson is also the owner of DW Thompson LLC and acts as an independent insurance agent for various companies through Madison Financial Strategies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm provides multiple investment implementation options, including discretionary and non-discretionary strategies, and supports access to both proprietary and third-party models.

Stuart Freakley is a Series 66-licensed financial advisor with Edward Jones in Strasburg, VA, possessing three years of industry experience. Prior to joining Edward Jones in 2023, he worked at Shentel for nine years. He serves as a board member of the Shenandoah Memorial Hospital Foundation in Woodstock, VA. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard with a nationwide network of approximately 23,700 financial advisors.

Erizde Rios is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Wells Fargo Clearing in 2022, Rios worked at Wells Fargo Bank, NA, from 2019 and Rite Aid from 2017 to 2019. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research and analytics to support its investment strategies.

Will Lawrence is a financial advisor with Edward Jones in Stephens City, VA, holding the ChFC® designation and Series 66 license, with nine years of industry experience. He has been with Edward Jones since 2016 and maintains a separate business investment in Johnson City Brewing Co. Additionally, he hosts a weekly radio show on ESPN discussing gaming and movies and serves as a community liaison for esports at Shenandoah University. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management and a nationwide network of over 23,000 financial advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and supports clients through affiliated mutual funds, trust services, and securities-based lending.

Steven Shipe is a financial advisor at Cetera with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with HD Vest Insurance Agency, Lawrence R. Yoder CPA, and Avantax. Outside of advising, he serves as treasurer for a local political committee, overseeing compliance with Virginia election laws and managing campaign finance reports. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both affiliated and third-party investment options.

Douglas Arthur Jr. is a financial advisor with LPL Financial in Strasburg, VA, holding a Series 66 designation and 26 years of industry experience. His career includes prior roles at Ameriprise Financial Services, Private Advisor Group, and Cetera Investment Services. Outside of his advisory work, he is involved in music entertainment as a musician in Virginia. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gretchen Franti is a financial advisor with Thrivent Investment Management in Woodstock, VA, holding a Series 66 designation and eight years of industry experience. She has been with Thrivent since 2018. Outside of her advisory role, she serves as a board member for the Culpeper County Chamber, participating in executive, finance, and marketing committee activities. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on comprehensive goal-based planning without discretionary trading authority. The firm allows clients to combine planning with managed-account services under a consolidated billing option called WealthPlan, but portfolio management for institutional clients is not offered.

Ali Marangoni is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 14 years of industry experience. He previously worked at Concourse Financial Group Securities Inc. for 13 years before joining Cetera in 2025. Outside of advising, he operates Oak Bear Farm, a farm business selling eggs, meat, and produce. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services utilizing multiple program structures and affiliations.

Everette Morgan Jr. is a financial advisor with Thrivent Investment Management in Woodstock, VA, holding a Series 66 designation and over 20 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2005. Outside of his advisory role, Morgan serves on the Board of Zoning Appeals for the Town of Woodstock and is a member of the Board of Directors for Family Promise of Shenandoah County, a nonprofit organization focused on preventing and ending family homelessness. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial planning without discretionary trading authority, emphasizing periodic reviews and separating planning services from managed-account programs.

Jamie Streets is a financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones in 2023, he worked at Truist Bank (formerly BB&T) for eleven years. He holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Charles Nagelvoort is a financial advisor with Edward Jones, holding Series 63, Series 65, and Series 66 designations and 28 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Colin Johnson is a financial advisor with LPL Financial in Strasburg, VA, holding Series 63 and Series 65 licenses and with nine years of industry experience. Before joining LPL Financial in 2020, he worked at Ameriprise Financial Services and McAdam LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management options, utilizing both proprietary research and third-party strategies.

Crystal Hollar is a ChFC® and Series 66 licensed financial advisor with Edward Jones, based in Strasburg, VA, where she has worked since 2017. She has nine years of industry experience, including seven years with the United States Government prior to joining Edward Jones. Outside of her advisory role, she serves as an election official in Shenandoah County. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering a range of advisory programs, managed solutions, and affiliated investment products.

Tracy Miller is a financial advisor at Edward Jones with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Edward Jones since 2003. Miller serves as president of the Edinburg Chamber of Commerce and is involved with the Shenandoah County Fair Association. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a nationwide network of advisors. The firm offers advisory programs, separately managed accounts, and affiliated investment products, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Erin Drumheller is a CFP® professional with four years of industry experience, currently advising clients at Edward Jones since 2022. Prior to joining Edward Jones, she worked at The Gemini 3 Group, Inc. as a consultant and at Geico for four years. She serves on the boards of NW Works and Girls on the Run, Shenandoah Valley, where she participates in governance, strategic planning, and finance committees. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs and affiliated financial services. The firm manages over $1 trillion in assets and operates a nationwide network of advisors and branch offices.

Lloyd Knight is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked at Edward Jones since 2019 and previously held roles at Nationwide Securities LLC, Nationwide Financial, and Nationwide from 2015 to 2019. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a broad network of financial advisors and branch offices, offering a range of advisory strategies under a fiduciary standard.

Adrianne Smith is a CFP® professional with seven years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL in 2025, she worked at Grove Point Advisors and Grove Point Investments from 2018 to 2025. Outside of her advisory role, she is involved in managing real estate rental activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement participants, banks, trust companies, and institutions. The firm offers various investment strategies including model portfolios, third-party asset management, and customized approaches supported by advanced operational tools.

Robert Harris Jr. is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and has previously worked at Euclid Systems, Hopewell Group, Teksynap, and the Department of Aging and Rehabilitative Services for the Commonwealth of Virginia. Outside of his advisory role, he is the president and owner of an LLC providing employment development support. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of over 23,000 financial advisors.

Jaye Beringer is a Series 66-licensed financial advisor with Thrivent Investment Management. She has one year of industry experience and previously worked at Thrivent Financial, Jaye Anne Consulting, LLC, AAFMAA Life Insurance, Liberty Mutual Insurance, and J&J Insurance. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofits, providing written recommendations on a wide range of financial topics without managing client portfolios directly. The firm’s approach includes holistic, goal-based analyses and the option to combine planning with managed-account programs under a consolidated billing arrangement called "WealthPlan."

Evan Courtney is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. He has held various roles prior to joining Edward Jones, including operating TutoringEZ LLC, an educational business that involves marketing and backend operations. Evan is also involved in developing a fitness and nutrition app and holds a limited partnership in a pressure washing startup. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm is notable for its extensive retail advisor network and affiliated capabilities beyond advisory services.

Lacey Snarr is a financial advisor at Edward Jones in Woodstock, VA, holding the CFP®, ChFC®, and Series 66 designations with seven years of industry experience, all spent at Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients across a broad range of account types. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices, offering a variety of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

Bryon Biggs is a CFP® with 12 years of experience and has been with Edward Jones since 2014. He is based in Front Royal, VA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Carol Huber is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2025. Prior to this, she worked as an Investment Consultant at Fidelity Investments from 2023 to 2025. Before joining Fidelity, Carol served as a Wealth Management Advisor at TIAA from 2018 to 2022 and as a Relationship Manager at TIAA from 2015 to 2018. Carol focuses on conducting holistic reviews of clients' financial and personal situations to prepare them for retirement and the aging process. She emphasizes the importance of updating these reviews annually or after significant life changes. Her approach involves educating clients using real-life examples and clear language to help them understand factors that may affect their lifestyle and comfort throughout various stages of life.

Amy Straightiff is a Series 66-licensed financial advisor at Edward Jones with three years of industry experience. She previously worked at Rockingham Insurance for six years and has also been employed by Frederick County Public Schools as a bus driver. Amy has held positions at Edward Jones during two separate periods, totaling seven years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of financial advisors and offers a variety of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds.

Corey Seymour is a CFP® professional with seven years of industry experience, currently serving at Edward Jones since 2019. Prior to joining Edward Jones, he worked for six years at the National Church Group Insurance Agency. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.