Frank Oley

Martha Osborne is a Planning Consultant at Fidelity Investments, a role she began in 2024. In this capacity, she partners with clients to understand their unique short- and long-term goals and helps them build customized financial plans. Prior to joining Fidelity Investments, Martha worked at Virginia Asset Management where she held positions as a Wealth Management Associate in 2024 and as an Operations Specialist from 2017 to 2024. Her experience spans various aspects of financial planning and wealth management, reflecting a comprehensive understanding of client needs and operational processes. Outside of her professional life, Martha enjoys activities such as spending time at the beach, cooking and baking, engaging in family activities, social events with friends, horseback riding, and traveling.

Alla Panitkova is a Planning Consultant at Fidelity Investments, where she has been working since 2025. In this role, she focuses on developing strategic financial plans tailored to the unique needs of each client and helping them make informed decisions at every stage of life. Before her current position, Alla served as a Relationship Manager at Fidelity Investments from 2023 to 2025. Prior to that, she worked as an Advisory Client Associate at Wells Fargo Advisors from 2018 to 2022. Outside of her professional career, Alla has interests that include spending time at the beach, watching movies, parenthood, solving puzzles, running, and traveling.

Justin Rouse is a Financial Consultant at Fidelity Investments, where he collaborates with clients to develop personalized financial plans and investment strategies tailored to their specific goals and needs. He has been with Fidelity Investments since 2023, progressing through roles including Investment Solutions Representative and Investment Consultant before assuming his current position in 2025. Prior to joining Fidelity, Justin worked as an Agent at New York Life in 2022. Justin's professional experience encompasses various aspects of financial consulting and investment services, reflecting a commitment to client-focused financial planning. Outside of his professional work, he has interests in fitness, golf, military service, pets, and running.

Thomas M. Heaton serves as a Senior Financial Advisor and Senior Vice President at Merrill Lynch Wealth Management. With 27 years of experience, he provides guidance to clients through challenging markets and significant life events. Heaton emphasizes a disciplined, goal-based investment process, focusing on long-term retirement planning and risk management. He incorporates principles of Behavioral Finance to help clients avoid decisions driven by emotions such as greed and fear, aiming to establish retirement plans aligned with clients' emotional tolerance for risk. Heaton offers a comprehensive range of services including banking, credit cards, mortgages through Bank of America, investments, risk management, retirement planning, and estate planning. He works closely with his assistant, Megan Huth, to support clients' administrative needs. Heaton holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from the Pennsylvania State University System. Outside of his professional responsibilities, Heaton resides in Hanover County with his family. He is married with two daughters who have graduated from Virginia Tech. In his free time, he enjoys golfing, running, and spending time with his family.

Steve Nagy is a Vice President and Executive Planning Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 1999, progressing through several positions including Wealth Planning Consultant, Relationship Officer, Retirement Income Planner, and roles in Stock Plan Services and Service and Trading. Prior to joining Fidelity, he worked in Investor Information at Scudder Kemper Investments. Throughout his career, Steve has developed expertise in financial planning and client relationship management, focusing on understanding each client's unique financial goals and developing tailored strategies to work toward them. He holds a California Insurance License. Outside of his professional life, Steve has personal interests that include baseball, beach activities, fitness, golf, pets, and running.