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.

Brian Davet is a financial advisor at R & J Financial Partners, LLC with 15 years of industry experience. He holds the PFS™ designation and Series 65 license. In addition to his advisory role, Davet is a 10% owner of Rutherford & Johnson, P.C., an unaffiliated CPA firm specializing in tax preparation and planning for individuals and corporations. R & J Financial Partners provides investment management, financial planning, and retirement-plan advisory services to individuals, trusts, qualified plans, charitable organizations, corporations, and small businesses. The firm employs a modern portfolio theory approach emphasizing asset-class diversification and buy-and-hold strategies, utilizing written investment policy statements and third-party sub-advisers for fixed-income management.

Clifton Rutherford is a financial advisor with R & J Financial Partners, LLC, holding the PFS™ designation and Series 65 license. He has 18 years of experience in financial advising and has also been a principal at Rutherford & Johnson P.C., a CPA firm specializing in tax preparation and planning, since 1980. R & J Financial Partners provides investment management, financial planning, and retirement-plan advisory services to individuals, trusts, qualified retirement plans, charitable organizations, corporations, and small businesses. The firm employs a modern portfolio theory approach focused on asset-class diversification and a buy-and-hold strategy, utilizing low-turnover mutual funds and index-oriented strategies.

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.

Andrew Gauldin is a financial advisor at Wealthcare Advisory Partners LLC in Winchester, VA, holding a Series 66 designation with nine years of industry experience. His prior firms include Morgan Stanley, Kalos Capital, Inc., and Clark & Associates Incorporated. He is also active as an insurance agent with Creekside Insurance Advisors. Wealthcare Advisory Partners LLC offers investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based financial advising discipline that integrates proprietary software and behavioral economics, utilizing both passive and active investment strategies alongside dynamic portfolio management.

Amanda Giangola is a financial advisor with United Brokerage Services, Inc. in Winchester, VA, holding Series 63 and Series 65 designations and having 12 years of industry experience. She has been with United Brokerage Services since 2015. United Brokerage Services, Inc. provides investment advisory services to individuals, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm emphasizes strategic and tactical asset allocation, mutual funds and ETFs, and employs a combination of non-discretionary advice and discretionary management through a variety of programs and 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.

Ryan Oates is a CFP® professional with 19 years of experience in the financial services industry. He is affiliated with Wealthcare Advisory Partners LLC and has previously worked with Water Street Financial LLC and LPL Financial. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based financial advising approach supported by patented Wealthcare software and incorporates quantitative metrics alongside fundamental, technical, and behavioral analysis, offering both passive index-tracking and active management strategies.

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.

James Du Brueler Jr. is a financial advisor with Wealthcare Advisory Partners LLC and holds a Series 65 designation. He has eight years of industry experience, including seven years at AlphaStar Capital Management and ongoing involvement with Creekside Insurance Advisors Inc., where he is a licensed insurance agent. Wealthcare Advisory Partners LLC manages approximately $6.0 billion in client assets with a team of over 150 advisors, serving individuals, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based planning approach supported by proprietary software and an evidence-based investment framework that integrates behavioral economics and quantitative measures.

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.

Dino Lopresti is a Series 65-registered financial advisor with 16 years of industry experience. He has been with Trek Financial since 2018 and previously worked at Horter Investment Management, LLC. Lopresti is also president of LoPresti Financial Group, where he offers fixed index annuities as part of client investment plans. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, providing asset management, financial planning, and retirement-plan services. The firm employs a mix of strategic and tactical portfolio construction methods, including evidence-based models, technical and fundamental analysis, and uses artificial-intelligence tools under human oversight.

Eric Burstock is a financial advisor at Trek Financial with over 20 years of industry experience. He holds the PFS™ credential and securities licenses Series 63 and Series 65. Prior to joining Trek Financial in 2018, he worked at Horter Investment Management and has run his own CPA practice since 1997. Outside of advisory work, Burstock is involved in insurance and annuity sales, operates a tax preparation business, and owns an invention company. Trek Financial serves individual and high-net-worth clients as well as institutional retirement plans, providing asset management, financial planning, and fiduciary services. The firm uses a blend of strategic and tactical portfolio approaches, including AI tools, direct indexing, and a broad range of systematic and alternative strategies.

Christopher Cotterell is a financial advisor with Wealthcare Advisory Partners LLC, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Wealthcare Advisory Partners and its d/b/a Water Street Financial since 2016 and has also been affiliated with LPL Financial since 2016. Cotterell is a managing partner of Water Street Financial. Wealthcare Advisory Partners LLC manages approximately $6.0 billion in client assets through a team of over 150 advisors, serving individuals, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based, client-centered planning process supported by proprietary software and integrates evidence-based investment strategies with access to alternative and private placement investments.

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.

Gary Whetzel is a financial advisor with PlanMember Securities Corporation in Winchester, VA, holding Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Old Dominion Insurance and Investments since 2018 and operates a landscaping and handyman business, Whetzel's Landscaping & Handyman, since 2010. PlanMember provides retirement-plan advisory services to employers and participants, acting as a fiduciary for many plans and offering participant-level investment options. The firm’s investment approach emphasizes strategic asset allocation and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Stuart Allen is a financial advisor with Planmember Securities Corporation in Winchester, VA, holding the CFP® designation and Series 63 and 65 licenses. He has 35 years of industry experience and has been with Planmember since 2014. His prior work includes roles at Old Dominion Insurance & Investments, Inc. and self-employed businesses dating back to 1989. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach with risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Ricky Leonard is a financial advisor with PlanMember Securities Corporation in Winchester, VA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His background includes roles at PlanMember Securities Corporation, Old Dominion Insurance & Investments Inc., and Staunton City Schools. Leonard is also involved with Old Dominion Insurance & Investments Inc. as a non-producing licensed sales assistant. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm employs a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios, delivering education and support services such as seminars and personalized retirement planning.

James Patton is a financial advisor with PlanMember Securities Corporation in Winchester, VA, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. His career includes roles at Everbank and Virginia Eagle Distributing Co., LLC, and he is involved in investment and insurance services through Old Dominion Insurance & Investments. He also works as a delivery driver for Door Dash. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation approach with risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Isaac Hutchison is a CFP®-designated financial advisor with eight years of industry experience, currently associated with Planmember Securities Corporation. He has worked with Old Dominion Insurance & Investment Inc since 2017 and previously spent twelve years with Greene County Public Schools. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm employs a top-down strategic asset allocation framework and manages risk-based mutual-fund portfolios, supplemented by educational and support services for plan sponsors and participants.