Virtue Capital Management, LLC

Timothy Beeman is a financial advisor with Virtue Capital Management, LLC, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at Redwood Private Wealth LLC, First Advisors National LLC, and Longevity Capital LLC. In addition to his advisory work, he is involved with Forward Financial and INS Services, where he has been a licensed insurance producer specializing in life, health, and fixed annuities since 1979. Virtue Capital Management, LLC is an SEC-registered enterprise adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm offers discretionary portfolio management, financial planning, third-party manager selection, and ERISA consulting, using a model-driven investment approach that incorporates quantitative optimization and economic data inputs.

Alyssa Srey is a financial advisor at Virtue Capital Management, LLC with one year of industry experience. She holds a Series 65 credential and has previously worked at Kennedy Wealth Design and Boston Scientific. Outside of her advisory role, she is involved in coaching and training for dentists and insurance advisors through IMPACT Holdings Management and Third Box Advisors, LLC. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm offers discretionary portfolio management, financial planning, third-party manager selection, and retirement education, employing a model-driven approach that incorporates quantitative optimization and economic data inputs.

Richard Thompson Jr. is a Series 65-licensed financial advisor with 11 years of industry experience. He has been with Virtue Capital Management, LLC since 2019 and previously worked at Horter Investment Management, LLC. In addition to his advisory role, he is involved with Advanced Legacy Concepts, where he provides insurance, annuities sales, and financial planning services. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm offers discretionary portfolio management, financial planning, third-party manager selection, and retirement education, employing a model-driven approach that utilizes mutual funds, ETFs, and quantitative optimization.

Timothy Mathieu is a financial advisor at Virtue Capital Management, LLC with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Virtue Capital Management since 2019, following six years at The London Company of Virginia LLC. Virtue Capital Management is an SEC-registered enterprise adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm offers portfolio management, financial planning, third-party manager selection, and retirement education, employing a model-driven investment approach that integrates quantitative optimization and economic data inputs.

Fredric Miller is a financial advisor at Virtue Capital Management, LLC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Horter Investment Management, LLC and operated his own financial planning practice, Rick Miller & Associates. Miller also provides retirement training for federal employees and works as an independent IRMAA certified planner, focusing on the impact of Medicare-related legislation. Virtue Capital Management is an SEC-registered enterprise adviser managing approximately $1.2 billion in discretionary assets through about 90 advisers for over 4,000 clients. The firm offers discretionary portfolio management, financial planning, third-party manager selection, and retirement education, employing quantitative optimization and proprietary models with an active, model-driven investment approach.

Mark Kinney is a CFP® with 16 years of industry experience, currently serving as an advisor at Virtue Capital Management, LLC since 2019. His prior roles include positions at Kinney Wealth, Inc., Horter Investment Management, and Toole Kinney & Co. He is a partner at Kinney Wealth, Inc., where he is involved in life, health, long-term care, and disability insurance. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets through about 90 advisers for more than 4,000 clients. The firm employs strategic, tactical, and dynamic investment strategies primarily using mutual funds and ETFs, supported by quantitative optimization and proprietary models that incorporate economic data inputs.

Anil Vazirani is a financial advisor at Virtue Capital Management, LLC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Virtue Capital Management since 2018. Prior to that, he was with Horter Investment Management and has operated Vazirani & Associates and Secured Financial Solutions since the early 2000s. Outside of his advisory role, he serves as president and CEO of both Vazirani & Associates, assisting clients with insurance products, and Secured Financial Solutions, which focuses on financial product sales and client services. Virtue Capital Management is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets through about 90 advisers for over 4,000 clients. The firm offers discretionary portfolio management, financial planning, and plan consulting, employing strategic and dynamic investment strategies primarily through mutual funds and ETFs using quantitative models and economic data inputs.

James Webb is a financial advisor with Summit Capital Solutions LLC, holding the ChFC® designation and Series 63 and 65 licenses, and has 19 years of industry experience. He has held leadership roles at multiple firms, including Virtue Advisors and Integrity Retirement Group, and serves as Chief Operating Officer of Virtue Advisors, an insurance marketing organization where he trains and mentors producers. Summit Capital Solutions is an independent investment manager that primarily serves other registered investment advisers by providing model portfolio strategies through third-party platforms. The firm offers sector-focused investment models using a combination of fundamental, technical, and quantitative analysis, and is affiliated with insurance distribution and related businesses.

Kristina Ponomareva is a Series 65 licensed financial advisor with Virtue Capital Management, LLC, where she has worked since 2026. Prior to joining Virtue, she was with Financial Alliance & Insurance Solutions and held roles at California State University and Bickerstaff Athletic Center. Virtue Capital Management, LLC is an SEC-registered adviser serving individuals, trusts, estates, charitable organizations, corporations, and qualified plans. The firm employs a combination of active tactical, strategic, and quantitative strategies alongside third-party manager selection to create customized portfolios aligned with clients' objectives and risk tolerances.

Nicole Nguyen is a financial advisor with Virtue Capital Management, LLC in Houston, TX, holding Series 65 and Series 66 licenses with seven years of industry experience. She has also been involved with Meridian Financial LLC since 2018 as an owner and principal. Outside of her advisory work, Nicole is the author of the book *Fiscally Fit* and holds a real estate license to support her interests in rental property management. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm employs strategic, tactical, and dynamic investment strategies primarily using mutual funds and ETFs, supported by quantitative optimization and proprietary models, and offers services including portfolio management, financial planning, and ERISA consulting.

Stephen Vranek is a financial advisor with Virtue Capital Management, LLC, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His career includes roles at Lifemark Securities Corp., Transamerica Financial Advisors, and several businesses he leads, such as Wealth Star Inc., a high-end networking group, and West Suburban Business Solutions, which provides tax preparation and bookkeeping training. He also serves as president or CEO of multiple companies involved in business consulting, property management, and financial services. Virtue Capital Management, LLC is an SEC-registered enterprise adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm uses a model-driven approach with strategic, tactical, and dynamic strategies primarily implemented through mutual funds and ETFs, and provides portfolio management, financial planning, ERISA consulting, and educational courses for pre-retirees.

Roy Thrower, Jr. is a financial advisor at Virtue Capital Management, LLC with 17 years of industry experience. He holds a Series 65 designation and has worked at Virtue Capital Management since 2017. Prior to that, he was with Brookstone Capital Management LLC for five years and has been president of Thrower Financial Concepts, Inc., an insurance sales business focusing on fixed annuities and life insurance, since 2005. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets through 90 advisers for over 4,000 clients. The firm offers discretionary portfolio management, financial planning, third-party manager selection and monitoring, and retirement education, utilizing strategic, tactical, and dynamic strategies primarily through mutual funds and ETFs with a model-driven approach that incorporates economic data inputs.

Richard Oberuc is a financial advisor at Virtue Capital Management, LLC with 13 years of industry experience. He holds a Series 65 designation and previously worked at First National Corporation for 13 years. He is also the CEO of Burlington Hall Asset Management, Inc., where he develops software products for asset allocation models. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets through about 90 advisers. The firm serves over 4,000 clients, offering discretionary portfolio management, financial planning, third-party manager selection, ERISA and qualified plan consulting, and a financial education course for pre-retirees. Its investment approach employs strategic, tactical, and dynamic strategies primarily through mutual funds and ETFs, supported by quantitative optimization and proprietary models.

George Clougher is a financial advisor at Virtue Capital Management, LLC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at OneAmerica Securities, Red Oak Risk Management, Praxis Capital Management, and Safe Money Concepts. Outside of advisory work, he is involved in non-variable insurance sales, including fixed life and fixed annuities. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm offers discretionary portfolio management, financial planning, third-party manager selection, ERISA consulting, and a financial education course for pre-retirees, employing a model-driven investment approach that uses quantitative optimization and proprietary economic data inputs.

Steven Sabo is a financial advisor at Virtue Capital Management, LLC with nine years of industry experience. He holds a Series 65 designation and has worked at Virtue Capital Management since 2019. In addition, he independently sells life insurance and annuities through Executive Financial Group and Executive Financial Planning. Virtue Capital Management, LLC is an SEC-registered enterprise investment adviser managing approximately $1.2 billion in discretionary assets for over 4,000 clients through about 90 advisers. The firm offers discretionary portfolio management, financial planning, third-party manager selection and monitoring, and ERISA and qualified plan consulting, employing active, model-driven strategies that incorporate economic data and quantitative optimization.