Hi I’m Katie, founder of Money Pilot Financial Advisor. I’m a 25-year Army veteran where I served as a troop leader, Blackhawk helicopter pilot, and advisor on China affairs. Now I bring my passion for service and working with soldiers to financial planning. My mission is to help you take charge of your finances and live your best life. My husband Rob and I live on our farm in Virginia where the door is always open. I work with you to fit your lifestyle. We use virtual technology to meet and connect worldwide. Book meetings online, meet via video chat, stay in charge with our online portal. Give it a test drive. Book your free 20-minute intro call online.

Michael Karwic is a CFP® with 28 years of industry experience, currently serving as an advisor at Glenayr Family Advisors LLC. His prior roles include positions at Third Eye Associates, Commonwealth Financial Network, Lincoln Investment, and Iron Valley Wealth Management. He is a faculty member with The Sudden Money Institute, where he teaches Transition Finances, and he owns a woodworking business through Apogee Innovations, LLC. Glenayr Family Advisors works with individuals, couples, professionals, business owners, and multi-generational families, focusing on life transitions such as divorce, inheritance, retirement, health events, or sudden wealth. The firm emphasizes values-based, holistic financial and transition planning, referring investment management to vetted third-party managers rather than managing portfolios directly.

Peggy Frye is a CFP® professional with 23 years of industry experience, currently serving at Glenayr Family Advisors LLC since 2014. She is also an adjunct instructor at the Kinder Institute of Life Planning and the Financial Transitionist Institute and co-owns Glenayr Farm LLC, a working farm specializing in breeding championship show dogs and Angus beef cattle. Glenayr Family Advisors works with individuals, couples, professionals, business owners, and multi-generational families, focusing on life transitions such as divorce, inheritance, retirement, health events, or sudden wealth. The firm emphasizes values-based, holistic planning using the Kinder Method and Financial Transitionist tools and refers investment management to vetted third-party managers rather than managing portfolios directly.

James Mullins is a CFP® professional with 15 years of experience in financial advising. He has worked at Piedmont Wealth Management since 2011 and joined Burke & Herbert Wealth Services, LLC in 2026. Piedmont Wealth Management is a fee-only firm serving individuals, trusts, foundations, pensions, and corporations with personalized financial planning, investment management, and consulting services. The firm manages portfolios based on client-specific investment policies using a combination of mutual funds, stocks, bonds, and ETFs, primarily guided by fundamental analysis.

Kerst Ter Weele is a financial advisor at Bookends Financial Planning with 23 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial for 16 years before joining Bookends in 2023. Outside of his advisory role, he is involved in a cattle business partnership with a local farmer. Bookends Financial Planning serves individual, retirement plan, and corporate clients, managing approximately $288 million across a six-person team. The firm combines multiple analytical approaches to portfolio management and offers discretionary and non-discretionary services, educational workshops, and publishes various client resources.

Cathy Poe is a financial advisor with Level Four Advisory Services, holding a Series 66 designation and 22 years of industry experience. She has worked at Mid-Atlantic Securities, Inc. since 2010 and has been with Level Four Advisory Services and Level Four Financial, LLC since 2022. Level Four Advisory Services is an SEC-registered enterprise investment adviser managing approximately $5.32 billion across 115 advisors and serves a diverse client base including individual investors, retirement plans, corporations, and charitable organizations. The firm offers fee-only financial planning, discretionary and non-discretionary asset management, and retirement plan advisory services, utilizing model portfolios and a combination of internal and third-party management options.

John Zaleski II is a financial advisor at Level Four Advisory Services with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Mid Atlantic Securities, Inc. for 26 years before joining Level Four Advisory Services in 2014. He is also a licensed life insurance agent since 1995. Level Four Advisory Services is an SEC-registered enterprise investment adviser managing over $5 billion for a diverse client base, including individuals, retirement plans, corporations, and nonprofits. The firm offers fee-only financial planning, asset management, and retirement advisory services, utilizing model portfolios and both affiliated and unaffiliated sub-advisers.

William Newman is a financial advisor with Steward Partners Investment Advisory, LLC, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at Raymond James Financial and Freedom Street Partners. He is also associated with Freedom Street Partners in a support capacity. Steward Partners Investment Advisory, LLC manages approximately $28.34 billion in regulatory assets and serves a diverse client base, including individuals, charitable and corporate clients, and retirement plans. The firm offers discretionary and non-discretionary portfolio management utilizing proprietary strategies and third-party money managers across multiple asset classes and account types.

William Frazer III is a financial advisor with Principal Financial Services in Locust Grove, VA. He holds Series 63 and Series 65 designations and has 20 years of industry experience. Since 2013, he has been affiliated with Your Retirement Pathfinder, Principal Securities, and Principal Life Insurance Company. Outside of his advisory role, he serves as an elder and Bible teacher at Lake of the Woods Church, where he helps oversee local ministry activities including a homeless shelter and special programs for adults with special needs. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel. The firm offers direct advisory programs, financial planning, and access to third‑party money manager solutions, with investment implementation typically managed on a discretionary basis by these third parties.

Keith O'Brien is a financial advisor at Truist Advisory Services with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including LPL Financial, Raymond James Financial Services, and Access National Bank. O'Brien is based in Culpeper, VA. Truist Advisory Services is a large SEC-registered investment adviser serving individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers discretionary and non-discretionary investment solutions through model portfolios, third-party managers, and advisor-led asset allocation, supported by research shared across its affiliated channels.

Melissa Daily is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked with Park Avenue Securities and Guardian Life Insurance since 1999. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services, financial planning, and consulting. The firm employs a mix of proprietary and third-party investment strategies and supports various account-level services, including lending solutions and donor-advised funds.

Carolyn Poling is a financial advisor at D.A. Davidson & Co. with one year of industry experience. She holds the Series 66 designation and previously worked for Truist Bank for 15 years. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers various advisory programs and financial planning services under the Advisers Act fiduciary standard and ERISA fiduciary duties, with a distinctive focus on municipal advisory and underwriting activities.

Catherine Pfeilsticker is a financial advisor at Empower Advisory Group with 29 years of industry experience. She holds the ChFC® designation and Series 63 license and has worked at GWFS Equities Inc since 1995. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail clients. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Steven Kornicker is a financial advisor at Truist Advisory Services with 26 years of industry experience. He holds a Series 66 designation and has worked at Truist Advisory Services and its affiliated entities since 2021, with prior experience at BB&T Securities and Scott & Stringfellow. Truist Advisory Services is a large SEC-registered investment adviser serving individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers a range of discretionary and non-discretionary investment solutions combining model portfolios, third-party managers, and advisor-led asset allocation, supported by research shared across Truist’s affiliated channels.

Ethan Lohr is a CFP® with 10 years of industry experience, currently affiliated with Commonwealth Financial Network. He has worked at Commonwealth and Lohr & Company, LLC since 2020 and previously at Mass Mutual Investors Services from 2015 to 2020. Lohr is co-owner of 4 Buckets Retirement, LLC and author of the book "The Four Buckets." Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs, investment management, and practice-management support, allowing advisors discretion in portfolio construction alongside model portfolios managed by its Investment Management and Research team.

Darius Vesuna is a financial advisor at D.A. Davidson & Co. with 19 years of industry experience. He holds a Series 66 designation and has previously worked at Truist Advisory Services, Truist Investment Services, Bb&T Securities, and Scott & Stringfellow, Inc. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers services under fiduciary standards and features comprehensive financial planning, municipal advisory activities, and a Private Wealth program for ultra-high-net-worth clients.

Kyle Vrhovac is a financial advisor at Edward Jones with two years of industry experience. He holds a Series 66 designation and previously worked as a silent partner and operations consultant for Outer Banks Boil Company, a seafood restaurant. Outside of his advisory role, he is involved in several business ventures including residential construction capital provision and an exotic car rental company. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients. The firm manages over $1 trillion in assets and offers a variety of advisory programs, including discretionary and non-discretionary strategies, alongside affiliated mutual funds and trust services.

Phillip Lennon is a financial advisor at Edward Jones with two years of industry experience. He holds the Series 65 and Series 66 credentials and has worked at Edward Jones since 2023. Prior to this, he was involved with Tiger Solar and operates Valley Athletics, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and strategies, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Allen Griffey Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank, N.A. He is also a notary public in Culpeper, Virginia. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, 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.

Yvette Ruiz is a financial advisor at Edward Jones in Locust Grove, VA, holding the ChFC® and Series 66 designations with 12 years of industry experience. She has been with Edward Jones since 2014. Outside of her advisory role, she serves as an Officer of Election for the Orange County VA Registrar's Office and is involved with Mary Kay cosmetics sales. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and affiliated financial services, supported by a large network of advisors and branch offices nationwide.

Bobbie Bascombe is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 22 years of industry experience. She has been with LPL Financial since 2011. 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 variety of investment solutions supported by an in-house research team and combines large-scale advisory operations with a range of non-advisory product offerings.

Virginia Koontz is a CFP® professional with 11 years of experience in financial advising. She is currently with Steward Partners Investment Advisory, LLC and has previously worked at Raymond James Financial Services and Piedmont Wealth Management. Outside of financial advising, she is the treasurer of PlayDate, Inc., a nonprofit children's museum, and manages a horticulture and floral design business in Rixeyville, VA. Steward Partners Investment Advisory, LLC manages approximately $28.34 billion in assets and serves a diverse client base, including individuals, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary portfolio management using proprietary strategies and third-party money managers, with a focus on personalized investment solutions across multiple asset classes.

Gillette Harris is a financial advisor with LPL Financial in Culpeper, VA, holding Series 63 and Series 65 licenses and 25 years of industry experience. Harris has been with LPL Financial, formerly Linsco/Private Ledger Corp, since 2006. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a broad range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Cindy Rickett is a financial advisor at Edward Jones in Culpeper, VA, holding a Series 66 designation with 22 years of industry experience. She has been with Edward Jones since 2006. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 advisors and over 15,000 branch offices.

Thomas Linski is a CFP® designated financial advisor with Edward Jones, based in Culpeper, VA. He has 14 years of industry experience and has been with Edward Jones since 2011. 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 and investment strategies under a fiduciary standard.

Robert Butterworth is a financial advisor with Ameriprise in Madison, Virginia, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its related entities since 2009. Outside of his advisory role, he has involvement in real estate ownership unrelated to investment activities. Ameriprise is an institutional firm serving clients, particularly those nearing or in retirement with significant investable assets, through its retirement-income planning service. The firm combines research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations, supported by a centralized consulting team.

Clarissa Fleming is a financial advisor with Primerica Advisors in Culpeper, VA, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has been with Primerica Advisors since 2013 and has a longer tenure with Primerica Financial Services starting in 2012. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited range of separately managed account options. The firm uses a tiered wrap-fee structure and curates third-party asset managers, with trading implemented by BNY Mellon Advisors.

Vanessa Short is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 licenses and two years of industry experience. Her prior work includes roles at Primerica Advisors, Edward Jones, and a five-year period at Doterra. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on various financial planning topics. The firm uses goal-based analyses and allows clients to combine planning with managed-account services while keeping them separate.