As a Financial Advisor, I am committed to providing thoughtful guidance and exceptional service as I help clients build, preserve, and manage their wealth. Backed by Wells Fargo—one of the nation’s leading financial institutions—I focus on retirement planning, holistic financial strategies, and wealth preservation for business owners, families, and individuals.

Background and Experience

I bring more than 35 years of business experience to my advisory practice. Before becoming a Financial Advisor, I served as Director of Cash Management for Universal Leaf Tobacco Company and later held senior executive roles at Infineon Technologies and Qimonda North America.

During my tenure at Infineon and Qimonda, I founded the investment committee when the company was spun off from Siemens and oversaw key corporate benefit programs, including the pension plan, 401(k) plan, deferred compensation plan, and pension enhancement compensation plan. I also led the credit and collections department and managed all cash flow and banking operations. Managing these programs gave me a firsthand understanding of how effective investment and retirement planning can positively influence both organizations and individuals. This perspective continues to guide the way I support clients today.

My educational background includes an MBA from the University of Richmond, a BBA in Finance from James Madison University, and completion of the Global Manager Development Program at Babson College. Now, as a dedicated Financial Advisor, my goal is to serve as the first point of contact for my clients, delivering comprehensive investment planning paired with exceptional service.

Community Involvement

I remain active in the Richmond community. I currently serve on the Board of the Power Over Parkinson’s Foundation and am a past President and current Board Member of The Thrifty Sisters Foundation. I am also a charter member and past President of the Innsbrook Rotary Club.

Beyond these leadership roles, I served eight years on the Finance Executive Advisory Board at James Madison University (Chairman in 2025) and spent 15 years on the Finance Committee and the Board of Directors for the YMCA of Greater Richmond. I have also held positions as President of the University of Richmond MBA Alumni Association and the Richmond Treasurer’s Group.

With 29 years of experience in financial services, I am dedicated to helping individuals meet their financial needs by developing investment plans around their long-term goals and risk tolerance. My extensive experience - throughout major shifts in the markets - enables me to help my clients structure balanced portfolios to address their specific financial goals.

In addition to applicable securities registrations, I hold a bachelor’s degree in business management from North Carolina State University. I am an active member of the NC State Alumni Association, the NC State Wolfpack Club, as well as Omicron Delta Epsilon, an economics honor fraternity.

Comprehensive Investment Planning

Making sure your wealth continues to work in support of the goals you have established takes careful planning. Such planning is not a single event - it is a process. As your life circumstances change, so must the investment strategies I use to stay on course toward meeting your objectives. That is why I work with you, one on one, to design investment strategies targeted at your specific needs and goals. Although I do not provide tax advice, I will help you stay current with tax law changes and estate plan strategies to help preserve your wealth - now and for generations to come.

Planning for Retirement

If you're like most people, securing a comfortable retirement is near the top of your financial priorities. Whether you're an individual seeking tax-deferred growth or a business owner wanting to offer employees an attractive benefit without jeopardizing the company's bottom line, I can help you navigate the complex choices available to you. I offer assistance with a comprehensive array of retirement plans, including IRAs and IRA rollovers, self-directed IRAs and rollovers, Roth IRAs and conversions, Simplified Employee Pension (SEP) plans and Keogh plans, SIMPLE plans for small businesses, and 401(k), pension, and profit-sharing plans.

Heritage of Client Service

Wells Fargo Advisors, which traces its roots to 1879, grew over the years through mergers with some of the industry's most respected regional and national firms. Throughout their histories, Wells Fargo Advisors' predecessors were known for exceptional service based on trust and knowledge and for corporate cultures that put client needs above all else

Comprehensive Investment Planning

It takes more than a single planning session to put your wealth to work in support of your life goals. It takes a process. As your life circumstances change, so must the investment strategies I use to help keep you on course toward your objectives. We’ll continue to work together through the years to keep your investment strategies aligned with your goals and needs.

Estate Planning Strategies

I can work with you and your other advisors, including your CPA and attorney, to develop an estate planning strategy for your circumstances. Wells Fargo Advisors does not provide legal or tax advice. Be sure to consult with your own tax and legal advisors before taking any action that could have tax consequences. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice in your state.

Background and Experience

As a Financial Advisor, I help manage assets for individuals, trusts, retirement plans, charitable organizations and businesses. Through a long-term investment approach, I help clients develop and implement strategies for building wealth and realizing their goals. My mission is to provide objective and timely financial advice and guidance - with the highest level of professional service - in building and preserving wealth for my clients.

I have been with Wells Fargo Advisors for 26 years. I hold a Bachelor of Science in Business Administration from Virginia Commonwealth University. I have also earned the CERTIFIED FINANCIAL PLANNER®, practitioner designation from the Certified Financial Planner Board of Standards, Inc. (CFP Board). For this designation, I had to complete approved educational programs, pass rigorous examinations and meet stringent experience requirements.

Active in the local community, I participate in civic and community organizations, including Nathaniel Cawsey Garden Club and Merchants Hope Church Foundation. I am a member of St. John’s Episcopal Church in Hopewell, Virginia where I serve on the Altar Guild, Vestry and Finance Committee. My husband Michael and I live in Chesterfield.

Background

For more than four decades, I have devoted my career to advising individuals, families, trusts, institutions, and endowments through the complex landscape of wealth management.

I entered the investment consulting profession in 1981 after earning a Bachelor of Science in Commerce from Washington & Lee University and joining Prudential Securities, a predecessor firm of Wells Fargo Advisors. Throughout my career, I have served as both a Branch Manager and Financial Advisor, and I currently hold the title of Senior Vice President–Investments at Wells Fargo Advisors.

I hold the Certified Investment Management Analyst® (CIMA®) and Certified Private Wealth Advisor® (CPWA®) designations obtained through the Investments & Wealth Institute. These credentials reflect my longstanding commitment to advanced education and delivering the highest standard of wealth management expertise.

Client Philosophy & Comprehensive Wealth Management

I provide a high‑touch, consultative, and personalized advisory experience for clients who value objectivity, disciplined strategy, and long‑term partnership. My mission is to cultivate enduring client relationships built on trust, transparency, and exceptional service.

My comprehensive wealth management approach includes:  
I follow a structured and disciplined process: My work begins with understanding what matters most to my clients, reducing noise, creating clarity, and helping them feel financially confident.

Awards & Recognition

Community Leadership & Civic Involvement

Personal Life

My wife, Edie, and I are longtime Richmond residents and local business owners. We are proud parents of Alan Whitney Carlson Hess, Vice President at ISS Market Intelligence in Boston, and Olivia Caldwell Reese Hess, a second-year medical student at the Virginia College of Osteopathic Medicine.

Understanding the CIMA® and CPWA® Designations

Certified Investment Management Analyst® (CIMA®): Demonstrates advanced expertise in investment management, portfolio construction, and risk analytics for affluent and institutional clients.

Certified Private Wealth Advisor® (CPWA®): Recognizes advanced knowledge in comprehensive wealth planning for high‑ and ultra‑high‑net‑worth clients, including tax, estate, legacy, and multigenerational strategies.

Disclosures

*2025 Forbes Best-in-State Wealth Management Teams: Awarded January 2025; Data compiled by SHOOK Research LLC based on the time period from 3/31/23 - 3/31/24 (Source: Forbes.com). 2024 Forbes Best-in-State Wealth Management Teams: Awarded January

2024; Data compiled by SHOOK Research LLC based on the time period from 3/31/22 - 3/31/23 (Source: Forbes.com). 2023 Forbes Best-in-State Wealth Management Teams: Awarded January

2023; Data compiled by SHOOK Research LLC based on the time period from 3/31/21 - 3/31/22 (Source: Forbes.com). The Forbes Best-in-State Wealth Management Teams rating algorithm is based on the previous year’s industry experience, interviews, compliance records, assets under management, revenue and other criteria by SHOOK Research, LLC. Investment performance is not a criterion. Self-completed survey was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.

** The Five Star Wealth Manager award was issued on 11/01/2025 by Five Star Professional (FSP) for the time period 02/24/2025 through 08/01/2025. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. 1353 Richmond-area wealth managers were considered for the award; 63 (5 % of candidates) were named 2025 Five Star Wealth Managers. Visit www.fivestarprofessional.com.

2024

Award issued on November 1, 2024 by Five Star Professional (FSP) for the time period February 13, 2024 through August 30, 2024. 1,223 Richmond Market wealth managers were considered for the award; 74 (6% of candidates) were named Five Star Wealth Managers.

2023

Award issued on November 1, 2023 by Five Star Professional (FSP) for the time period February 13, 2023 through August 31, 2023. 1,095 Richmond Market wealth managers were considered for the award; 67 (6% of candidates) were named Five Star Wealth Managers.

2022

Award issued on November 1, 2022 by Five Star Professional (FSP) for the time period February 28, 2022 through August 26, 2022. 1,041 Richmond Market wealth managers were considered for the award; 69 (7% of candidates) were named Five Star Wealth Managers.

2021

Award issued on November 1, 2021 by Five Star Professional (FSP) for the time period February 8, 2021 through September 10, 2021. 937 Richmond Market wealth managers were considered for the award; 67 (7% of candidates) were named Five Star Wealth Managers.

2020

Award issued on November 1, 2020 by Five Star Professional (FSP) for the time period March 2, 2020 through September 25, 2020. 873 Richmond Market wealth managers were considered for the award; 69 (8% of candidates) were named Five Star Wealth Managers.

2019

Award issued on November 1, 2019 by Five Star Professional (FSP) for the time period February 25, 2019 through October 7, 2019. 979 Richmond Market wealth managers were considered for the award; 77 (8% of candidates) were named Five Star Wealth Managers.

2016

Award issued on October 1, 2016 by Five Star Professional (FSP) for the time period May 6, 2016 through October 4, 2016. 687 Richmond Market wealth managers were considered for the award; 144 (21% of candidates) were named Five Star Wealth Managers.

2015

Award issued on October 1, 2015 by Five Star Professional (FSP) for the time period May 6, 2015 through September 30, 2015. 710 Richmond Market wealth managers were considered for the award; 190 (27% of candidates) were named Five Star Wealth Managers.

2014

Award issued on October 1, 2014 by Five Star Professional (FSP) for the time period May 6, 2014 through September 30, 2014. 1,242 Richmond Market wealth managers were considered for the award; 187 (15% of candidates) were named Five Star Wealth Managers.

2013

Award issued on October 1, 2013 by Five Star Professional (FSP) for the time period May 6, 2013 through September 30, 2013. 802 Richmond Market wealth managers were considered for the award; 190 (24% of candidates) were named Five Star Wealth Managers.

Background

With more than 30 years of experience in financial services, I have had the privilege of making a meaningful difference in the lives of individuals, families, and organizations. I help clients pursue what matters most to them through disciplined planning, thoughtful advice, and a strong commitment to fiduciary excellence.

My practice is built around the four cornerstones of wealth —building, preserving, distributing, and transferring assets—ensuring clients can move forward with confidence in every stage of life. By reducing complexity and aligning the many elements of a client’s financial world, I serve as a single, trusted point of contact for clear and purposeful decision-making.

I hold the Chartered Retirement Plans Specialist℠ (CRPS®) and Accredited Asset Management Specialist™ (AAMS®) designations, demonstrating my ongoing commitment to professional excellence and high ethical standards.

Client experiences

Over the course of my career, my approach to advising has helped clients achieve meaningful and lasting outcomes. Through careful planning, I have guided clients in turning long-held dreams, such as purchasing a new home, into reality. By asking thoughtful questions, I have uncovered significant overlooked assets where others could not. In life’s most critical moments, I have helped clients navigate unexpected tragedy through comprehensive preparation, enabling the surviving spouse to retire comfortably and continue supporting their family. Each client’s success story reinforces why I chose this profession: good planning changes lives, often in ways clients do not fully realize until it matters most.

Personal Life & Community Involvement

I am deeply committed to community service, particularly efforts that promote workplace diversity and expand educational opportunities. I serve on the board of Needles Eye Ministries, where I founded and led the Leadership Development Initiative (LDI) to support diverse groups of emerging leaders. In addition, I am actively involved with the Henrico Education Foundation, helping fund teacher grants, scholarships, and student enrichment programs.

Outside of work, I enjoy golfing, fishing, and gardening. My wife, Marcia, and I cherish time with our three sons—Ross, Richard, and Pete—and their growing families.

I began my career in the financial services industry in 2003 at Merrill Lynch, where I advanced over seven years from a part-time office intern to a Registered Client Associate in the Norfolk and Virginia Beach, VA, offices.

After relocating to Richmond in late 2010, I continued my career at Davenport & Company. In February 2013, I joined Wells Fargo Advisors in the downtown Richmond office, where I have had the privilege of serving as a Senior Registered Client Associate and working alongside Senior Financial Advisor Mike Grappone for more than twelve years as his trusted “right hand.”

I reside in Hanover County with my husband, Erik, and our two sons, Henry and Jack. Outside of my professional responsibilities, I enjoy traveling, spending time outdoors, and sharing meaningful time with friends and family.

I have been part of Wells Fargo Advisors for the past four years, during which I have dedicated myself to fostering strong relationships with our clients. Providing exceptional client service is a core priority for me, and I take great pride in understanding each client’s unique needs and supporting them with professionalism and care.

Before joining Wells Fargo Advisors, I spent 20 years in the dental field as an office manager. This experience helped me build a solid foundation in organizational management, effective communication, and client service—skills that I continue to apply and enhance in my work today.

I reside in King William and have been married to my husband, Stephen, for 29 years. Together, we have three children—Tommy, Stephen, and Sarah—and a granddaughter, Isabella Rose, who brings tremendous joy to our family. Outside of work, I enjoy spending quality time with my family, as they are my greatest source of fulfillment.

I graduated from James Madison University with a Bachelor of Business Administration in Finance and a minor in Business Analytics. During my time at JMU, I was inducted into Beta Gamma Sigma, an international business honor society, and was an active member of Epsilon Sigma Alpha, a community service fraternity.

My introduction to Wells Fargo Advisors began during my sophomore year, when I was awarded a finance scholarship that provided the opportunity to meet Mike Grappone. I later joined the team as a Senior Client Associate in June 2025. Since that time, I have obtained my Series 7 and Series 66 securities registrations and continue to expand my skills to better support our clients and advisory team.

I reside in Richmond with my two cats, Isabel and Marbles. Outside of work, I enjoy playing tennis, traveling, crafting, and spending quality time with friends and family.