Ashley began her career in the financial services industry in 1985 and joined Wells Fargo Advisor’s predecessor in 1998. Her experience as a firefighter/EMT for 12 years carries through in her ability to handle complex topics in stressful situations.  She connects personally with clients and maintains communication with clients through the various stages of their lives.  This knowledge shapes investment strategy for clients to achieve their financial objectives.  She divides her time between the Williamsburg and Richmond offices.

Brad joined The Optimal Service Group of Wells Fargo Advisors after serving as the branch manager at a Wells Fargo location. Brad guides clients with their insurance requirements and wealth preservation strategies.  He reviews their portfolios, defines investment objectives and implements the plan.  His holistic view of the client’s finances helps them achieve their long-term goals over their lifetime.

Cathleen joined The Optimal Service Group of Wells Fargo Advisors in 2005. Her past industry experience trading options and futures for an international bank and working on the trading floor of the Chicago Board of Trade is instrumental for client’s trading needs.  She also focuses on the development and implementation of the marketing strategy for the group. Her responsibilities include affluent client management and supporting the Institutional Consulting clientele.

Emily has been a member of The Optimal Service Group of Wells Fargo Advisors client-service team since 2016. She efficiently navigates the firm’s technology and is highly responsive to clients’ needs.  Emily focuses on high-net-worth individuals and families, maintaining their financial relationships and helping them achieve their goals.

Jeff has been with Wells Fargo Advisors since 1983.  His experience in institutional consulting has fueled a long history of partnering with Financial Advisors across the firm. Jeff consults on all aspects of investment policy, risk assessment, asset allocation, manager selection, and on-going communication with non-profits, retirement plans, and Taft-Harley clients.

Joseph W. Montgomery CFP® AIF®
Managing Director - Investments

Joe leads The Optimal Service Group of Wells Fargo Advisors. Joe joined the firm in 1975. Every year Joe has been named to the Barron’s Top 100 Financial Advisors ranking from 2008-2024. Forbes magazine has named Joe #1 in Virginia on the Forbes Best-In-State Wealth Advisors ranking from 2020-2023. Also, Joe was recognized as one of the Forbes Top 250 Wealth Advisors in 2019. Joe is a frequent guest on Asset TV.com where he discusses trends in the investment environment and provides commentary on the current state of the markets. In 2014 Joe was featured on CNBC Squawk Box discussing risk in the marketplace. He has lectured at the Securities Industry Institute at the University of Pennsylvania’s Wharton School of Finance and Commerce.


Education: Designations:
BBA, College of William & Mary Accredited Investment Fiduciary
CERTIFIED FINANCIAL PLANNER®
Past Board Activity:

College of William & Mary Board of Visitors (appointed by Governor)
College of William & Mary’s Endowment Association
College of William & Mary’s James Blair Society
College of William & Mary’s National Campaign Steering Committee
College of William & Mary's Society of the Alumni (President)
Colonial Williamsburg Foundation Board of Trustees
Future of Hampton Roads
Hampton Roads Academy
Jamestown-Yorktown Educational Trust
Jamestown-Yorktown Foundation, Inc.
The Williamsburg Community Trust
Virginia Capitol Foundation (Investment Committee Chair)
Virginia Retirement System Investment Advisory Committee
Virginia Retirement System Board of Trustees (Vice Chair)
Williamsburg Community Hospital (Finance Committee Chair)
Williamsburg Community Health Foundation
Williamsburg Landing





















*Disclosures
2024 Barron's Top 100 Financial Advisors: Awarded May 2024; Data Compiled by Barron's based on the time period from Jan. 2023 - Dec. 2023 (Source: Barrons.com). 2023 Barron’s Top 100 Financial Advisors: Awarded April 2023; Data Compiled by Barron's based on the time period from Jan. 2022 - Dec. 2022 (Source: Barrons.com). 2022 Barron’s Top 100 Financial Advisors: Awarded April 2022; Data Compiled by Barron's based on the time period from Jan. 2021 - Dec. 2021 (Source: Barrons.com). 2021 Barron’s Top 100 Financial Advisors: Awarded April 2021; Data Compiled by Barron's based on the time period from Jan. 2020 - Dec. 2020 (Source: Barrons.com). 2020 Barron’s Top 100 Financial Advisors: Awarded April 2020; Data Compiled by Barron's based on the time period from Jan. 2019 - Dec. 2019 (Source: Barrons.com). 2019 Barron’s Top 100 Financial Advisors: Awarded April 2019; Data Compiled by Barron's based on the time period from Dec. 2017 - Dec. 2018 (Source: Barrons.com). 2018 Barron’s Top 100 Financial Advisors: Awarded April 2018; Data Compiled by Barron's based on the time period from Jan. 2017 - Dec. 2017 (Source: Barrons.com). 2017 Barron’s Top 100 Financial Advisors: Awarded April 2017; Data Compiled by Barron's based on the time period from Jan. 2016 - Dec. 2016 (Source: Barrons.com). 2016 Barron’s Top 100 Financial Advisors: Awarded April 2016; Data Compiled by Barron's based on the time period from Jan. 2015 - Dec. 2015 (Source: Barrons.com). 2015 Barron’s Top 100 Financial Advisors: Awarded April 2015; Data Compiled by Barron's based on the time period from Jan. 2014 - Dec. 2014 (Source: Barrons.com). 2014 Barron’s Top 100 Financial Advisors: Awarded April 2014; Data Compiled by Barron's based on the time period from Jan. 2013 - Dec. 2013 (Source: Barrons.com). 2013 Barron’s Top 100 Financial Advisors: Awarded April 2013; Data Compiled by Barron's based on the time period from Jan. 2012 - Dec. 2012 (Source: Barrons.com). 2012 Barron’s Top 100 Financial Advisors: Awarded April 2012; Data Compiled by Barron's based on the time period from Jan. 2011 - Dec. 2011 (Source: Barrons.com). 2011 Barron’s Top 100 Financial Advisors: Awarded April 2011; Data Compiled by Barron's based on the time period from Jan. 2010 - Dec. 2010 (Source: Barrons.com). 2010 Barron’s Top 100 Financial Advisors: Awarded April 2010; Data Compiled by Barron's based on the time period from Jan. 2009 - Dec. 2009 (Source: Barrons.com). 2009 Barron’s Top 100 Financial Advisors: Awarded April 2009; Data Compiled by Barron's based on the time period from Jan. 2008 - Dec. 2008 (Source: Barrons.com). 2008 Barron’s Top 100 Financial Advisors: Awarded April 2008; Data Compiled by Barron's based on the time period from Jan. 2007 - Dec. 2007 (Source: Barrons.com). The Barron’s Top 100 Financial Advisors ratings are based on the previous year’s assets under management, revenue generated for the advisors’ firms, and the quality of the advisors’ practices. Investment performance isn’t an explicit factor because clients have varied goals and risk tolerances. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.


2019 Forbes Top 250 Wealth Advisors: Awarded September 2019; Data compiled by SHOOK Research LLC based on the time period from 3/31/18 - 3/31/19 (Source: Forbes.com). The Forbes Top 250 Wealth Advisors (AKA Top Wealth Advisors) 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.


2023 Forbes Best-In-State Wealth Advisors: Awarded April 2023; Data compiled by SHOOK Research LLC based on the time period from 6/30/21 - 6/30/22 (Source: Forbes.com). 2022 Forbes Best-In-State Wealth Advisors: Awarded April 2022; Data compiled by SHOOK Research LLC based on the time period from 6/30/20 - 6/30/21. 2021 Forbes Best-In-State Wealth Advisors: Awarded February 2021; Data compiled by SHOOK Research LLC based on the time period from 6/30/19 - 6/30/20. 2020 Forbes Best-In-State Wealth Advisors: Awarded January 2020; Data compiled by SHOOK Research LLC based on the time period from 6/30/18 - 6/30/19 (Source: Forbes.com). The Forbes Best-in-State Wealth Advisors 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.
• High Net Worth designates advisors whose account sizes are typically under $10mm, though may have accounts with higher amounts.
• Private Wealth designates advisors whose account sizes are typically $10mm and above, though may have accounts with lower amounts.




PM-03182026-7032655.1.1

CA Insurance License Number: 0C18828. Resident State VA

A Williamsburg native, Judy joined the Optimal Service Group in 1995.  Her prior work in the trust and estate division of a large law firm helps Judy develop and implement personal financial strategies designed to help clients pursue and achieve their life goals. She focuses on portfolio analysis, asset allocation, investment planning, IRAs and personal and charitable trust matters.

Karen Logan joined The Optimal Service Group of Wells Fargo Advisors in 2010. Karen provides performance reporting, Investment Policy Statement development, and customized manager research and recommendations for client portfolios.

Loughan joined Wells Fargo Advisors in 2005. Loughan works with the group’s affluent clients, as well as anyone who shares her love of dogs.  Her prior experience in the home office with the firm’s premier planning software helps her provide the highest level of detail for client’s complex planning needs.

Bryce Lee joined The Optimal Service Group of Wells Fargo Advisors in 2001. Leading the Institutional Consulting division, Bryce is responsible for compiling and providing asset-allocation studies, setting investment objectives, analyzing spending policies, portfolio attribution, and manager research.  He is the lead consultant for many of the group’s insurance related and non-profit clients.

Robin began her career at Wheat, First Securities, a predecessor of Wells Fargo Advisors in 1984.  Robin’s responsibilities span institutional consulting as well as advising affluent clients. For both clients, she provides comprehensive investment management and account-management advice and services. This includes investment performance evaluation and reporting, asset-allocation modeling and investment-manager reviews.

Vicki joined The Optimal Service Group of Wells Fargo Advisors in 2011. Vicki has been with the combined firm including Wheat First Securities and A.G. Edwards and Sons, since 1985. As a member of The Optimal Service Group, Vicki focuses on asset allocation, portfolio rebalancing and retirement planning for our high net worth clients.