Xiomara Diaz

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.

John Morlu II is a CFP® with five years of experience in financial advising and has been with Pithom Advisors, Inc. since 2020. He is also the owner and managing partner of JS Morlu, LLC, a CPA firm he has operated since 2012. Pithom Advisors, Inc. serves individuals, families, and business owners with investment management and comprehensive financial planning, including retirement, estate, tax, insurance, education, and business-owner planning. The firm uses a passive, risk-aware investment approach focused on low-cost funds and ETFs and offers plan-level retirement consulting for employer-sponsored plans.

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.