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.

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 licenses and bringing 14 years of industry experience. She is also the owner and managing member of 50 Plus Digital, LLC, a public education business, and manages an insurance agency focused on estate planning. Nora has worked with GuidedQuest since 2016 and previously with Virtue Capital Management, LLC. GuidedQuest serves individuals, trusts, and estates by providing comprehensive financial planning, hourly consultations, and investment monitoring while referring clients to third-party portfolio managers for discretionary asset management. The firm emphasizes detailed client information gathering and coordination with third-party advisors, operating on a fixed and hourly fee basis rather than managing assets directly.

Patti Lerch is a financial advisor at GuidedQuest, LLC with 12 years of industry experience. She holds a Series 65 designation and has worked at GuidedQuest since 2016. Prior to that, she was with Virtue Capital Management, LLC and Harquist & Noblet. In addition to her advisory work, Lerch serves as a paraprofessional for special needs children 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 works with third-party portfolio managers for discretionary asset management and does not take custody or discretionary trading authority over client accounts.

Thomas Baker is a financial advisor with Stifel Independent Advisors, LLC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc and UBS Financial Services Inc. Outside of his advisory role, he manages a homeowners association in Fredericksburg, VA. Stifel Independent Advisors serves a diverse client base, including individuals, corporations, trusts, and municipal entities, offering both brokerage and investment advisory services with a collaborative planning process that incorporates proprietary modeling and tailored asset allocation recommendations.

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 serving as a financial advisor at Cary Street Partners. His prior work includes roles outside of finance at Panda Express, Kroger, West End Market, and JCPenney. Cary Street Partners offers discretionary and non-discretionary wealth management and advisory services to a diverse client base, including individuals, charitable organizations, corporations, and retirement plans. The firm employs a comprehensive investment approach that combines third-party managers with in-house resources across a range of strategies, including proprietary products managed by its affiliated asset management arm.

Jonathan Scimeca is a CFP® professional at Cary Street Partners with 10 years of industry experience. He has been with Cary Street Partners since 2015. In addition to his advisory work, he serves as a successor trustee and executor for a family member's living trust, a role he holds in contingency without compensation. Cary Street Partners provides discretionary and non-discretionary wealth management and advisory services to a diverse client base, including individuals, charitable organizations, corporations, and retirement plans. The firm employs a broad investment approach utilizing both third-party managers and proprietary strategies across traditional and alternative asset classes.

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 63 and Series 65 licenses and bringing eight years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank and is the owner of B&E Mechanical LLC, a company providing HVAC and duct system services. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union as well as individual investors and trusts, offering portfolio management, financial planning, and retirement-plan fiduciary services through model portfolios managed by third-party firms on the Envestnet platform.

Kevin Lynch is a financial advisor at Cary Street Partners with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors. Outside of finance, he teaches private music lessons in the Stafford area. Cary Street Partners offers wealth management and advisory services to a diverse client base, employing a range of investment strategies across traditional and alternative asset classes.

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.