We’re pretty particular about the people we work with—and that goes not just for clients, but our colleagues, too.
You can be sure that every member of The Optimal Service Group not only has training and certification fit to beat the band, but years of experience specializing in high-net-worth consulting and institutional-account management.
Smart? You bet. Not just book smart, either. Rest assured that every team member you’ll have the pleasure to meet brings a level of insight, sophistication, and uncommon knowledge to the table that is as rare as it is vital to the way we operate.
The Optimal Service Group is made up of the following three teams:
• Wealth Management: This group does exactly what you might expect: Identifies investment objectives, develops and monitors strategies, and reviews your portfolio performance. Plus: investments and financial products, portfolio analysis and investment planning. In other words, we are in the game
• Corporate and Institutional Consulting: This team has been named to Barron’s Top 30 Institutional Consultant list which evaluates on a range of factors for the Financial Advisor and their team including institutional assets under management, revenue produced for the firm, regulatory record and number of clients served by the consultant’s team. Also considered were the advanced professional designations and accomplishments represented on the team.
Our customized consulting portfolio offers asset-allocation strategies, manager search and selection, performance reviews, investment policy consultation, and timely capital market and economic commentary.
• Client Services: None of this matters if we can’t keep tabs on every detail, from operation to administration. These folks do just that—as promptly as possible. If there’s something you want to ask or let us know, we’re here. And if there’s something you need to know, you can trust us to tell you.
Because if we’re not able to provide top-notch service, we might as well pack it in.
Joseph W. Montgomery, CFP®, AIF®
Joe Montgomery is a Managing Director - Investments with Wells Fargo Advisors. A CERTIFIED FINANCIAL PLANNER™ practitioner, Accredited Investment Fiduciary® and a PIM Portfolio Manager, he heads up the Optimal Service
Group of Wells Fargo Advisors at the firm’s Williamsburg, Virginia office.
Joe joined the firm in 1975 and during his successful 45 year career, Joe has been routinely recognized in the industry. *Barron's has named Joe every year to the Top 100 Financial Advisors ranking since its 2004 inception. In 2019, Joe was named to the Barron's Advisor Hall of Fame which is reserved only for advisors who have been recognized by Barron's as a Top 100 Advisor for ten years in a row. In December of 2019 Joe was the featured advisor on Barrons.com in an interview titled “Building a $13-Billion Practice”. Joe has also been interviewed for the Barron's Top 1200 Financial Advisor ranking in the March 11, 2019 issue. In addition, Barron’s has named The Optimal Service Group to the Top 30 Institutional Consulting Teams ranking from 2015-2019 and most recently to the Top 50 Institutional Consulting Teams for 2020. Forbes magazine named Joe #1 in Virginia on the Best-State-Wealth Advisors 2020 ranking. Also, Joe was recognized on one of the Forbes Top 250 Wealth Advisors in 2019. In the past, Joe has been named to the Forbes Top 100 Wealth Advisors from its 2016 inception through 2018. Recognized by the international organization Financial Times Joe was named to the FT Top 400 Advisers in the U.S. from 2013-2019. Since 2005 Joe has been a charter member of the Dow Jones Wealth Management Advisory Council. Joe has also been sought out for his viewpoint by several media outlets. 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 earned a bachelor’s degree in business administration from the College of William and Mary (Williamsburg, VA) and is a graduate of the Securities Industry Institute presented at the University of Pennsylvania’s Wharton School of Finance and Commerce (Philadelphia, PA), where he has since lectured.
Joe was president of William and Mary’s Society of the Alumni and was appointed by the Governor of Virginia to the College of William and Mary Board of Visitors. He has also served on the boards of the Endowment Association of the College of William and Mary, National Campaign Steering Committee of the College of William and Mary, Williamsburg Landing (a retirement community), Williamsburg Community Health Foundation, The Williamsburg Community Trust, Jamestown-Yorktown Foundation, Inc, the Jamestown-Yorktown Educational Trust, the Virginia Retirement System Investment Advisory Committee, Hampton Roads Academy and Williamsburg Community Hospital, where he chaired the Finance Committee. He currently serves on the boards of the Future of Hampton Roads, the Virginia Capitol Foundation and is a member of the James Blair Society at the College of William and Mary. In 2014, Joe was appointed to the Virginia Retirement System Board of Trustees and in 2017 he was appointed to the Colonial Williamsburg Foundation Board of Trustees. Most recently, Joe was named as the 2017 recipient of the Gerald R. Ford Legends Award. The award is presented to a former collegiate or professional center that has made significant contributions to the football and business communities, or through philanthropic endeavors
CA Insurance License Number: 0C18828. Resident State VA
Ashley S. Hargrove
Senior Registered Client Associate
Mrs. Hargrove began her career in the financial services industry in 1985 with SunTrust Bank in Williamsburg, VA. She was the assistant branch manager when she left in 1998 to join Wachovia Securities, now Wells Fargo Advisors. Ashley holds the Series 7 and 63 Securities registrations. Ashley and her husband share 4 children and 4 grandchildren and live in Williamsburg. She is on the board of the Queens Lake Homeowners Association and was a firefighter/EMT for 12 years with New Kent County.
Bradley J. Stewart, CFP®, CPWA®, QPFC, AIF®
Brad Stewart joined the Optimal Service Group from the retail bank of Wells Fargo, where he was the manager of one of the local branches. Prior to joining Wells Fargo in February 2010, Brad worked for another financial services firm in Williamsburg where he focused on insurance, annuities, and wealth protection strategies.
As a member of The Optimal Service Group since 2012, Brad works with clients to review their portfolios and define and implement plans to pursue their investment objectives, helping them achieve their life goals. Brad is Series 6, 63, 7, and Series 66 registered.
Brad is a CERTIFIED FINANCIAL PLANNER™ practitioner. The Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Brad holds the Certified Private Wealth Advisor® certification, administered by the Investments and Wealth Institute® and taught in conjunction with The University of Chicago Booth School of Business.
In 2014, Brad earned the Accredited Investment Fiduciary (AIF®) and Qualified Plan Financial Consultant (QPFC) designation and is a member of the National Association of Plan Advisors.
Brad was a member of the William & Mary football team, as well as Co-Captain of the 2007 team. Brad is a supporter of several charities including the Disabled Veterans of America and the Shriners Hospitals for Children. Brad and his wife Sarah reside in the Williamsburg area with their son Levi, daughter Harper and black lab Guinness.
R. Bryce Lee, CFA, CIMA®, FRM, CAIA, AIF®, MBA
Senior Institutional Consultant
Bryce Lee joined the Optimal Service Group in 2001. He assists with all matters pertaining to the group’s institutional clients. Bryce is responsible for compiling customized reports, setting investment objectives, performing manager research and portfolio attribution for institutional investors.
Bryce earned a master’s degree in finance from the College of William and Mary (Williamsburg, VA), where he was a member of the Tribe football team from 1997 through 2001. He was the team’s second-leading receiver, and he was selected for the Second Team Academic All-American Football Team for 2001.
As an undergraduate, Bryce was a member of the Golden Key National Honor Society and was selected to the Phi Sigma Pi National Honor Fraternity at the College of William and Mary, where he graduated magna cum laude with an undergraduate degree in finance and math. In 2003, Bryce earned his MBA from the College of William and Mary graduating magna cum laude.
In 2006, Bryce earned the designation of Chartered Financial Analyst and in 2007, received the Certified Investment Management Analyst® designation from the Investments and Wealth Institute®, in conjunction with the Wharton School of Business. In 2009, Bryce earned the CAIA charter through the Chartered Alternative Investment Analyst Association and in 2012 earned the designation of Financial Risk Manager as certified by the Global Association of Risk Professionals.
Bryce lives in Williamsburg with his wife Laurie and their three children. They support several local charities and are active members of their community church where they volunteer with youth programs including Young Life.
Cathleen G. Dillon, FPQPTM
Assistant Vice President
Senior Registered Client Associate
Cathleen Dillon joined the Optimal Service Group in 2005 after spending 10 years in the commercial banking industry. Her past industry experience includes work as an Associate Member of the Chicago Board of Trade, manager of a large foreign bank and an analyst for a New York bank.
As a member of the Optimal Service Group, Cathleen focuses on the development and implementation of the marketing strategy for the group as well as coordinating efforts within the compliance framework. In addition, Cathleen is responsible for client management, implementation of option trading strategies* and supports the Institutional Consulting group by handling the administrative and operational matters for the team.
Cathleen earned a bachelor’s degree in marketing from Northern Illinois University and is Series 7 and Series 66 registered. In 2008 Cathleen successfully completed the Financial Paraplanner Qualified Professional Designation Program through the College for Financial Planning. Cathleen and her husband Dan reside in Williamsburg and have eight children and three grandchildren.*Options involve risk and are not suitable for all investors. Before opening an option position, please read “Characteristics and Risks of Standardized Options” carefully before investing. This document is available from [name of broker] at [Wells Fargo Advisors / Wells Fargo Advisors Financial Network] at [address of office and phone number] or the Options Clearing Corporation, 125 S. Franklin Street, Suite 1200, Chicago, Illinois 60606. Supporting documentation for any claims, comparison, recommendations, statistics or other technical data will be supplied upon request.
Christine M. Stiles, AAMS®, FPQPTM
Senior Registered Client Associate
Christine Stiles has been a member of the Optimal Service Group’s client-service team since 1991. She has been in the securities industry since 1985, with experience in banking and customer relations. She is Series 7 and Series 63 registered. Christine completed a Financial Paraplanning Program as well as the Accredited Asset Management Specialist Program through the College for Financial Planning. She focuses on the group’s retail operations and CPA relations.
Emily E. Sporrer, FPQPTM
Registered Client Associate
Emily Sporrer has been a member of the Optimal Service Group’s client-service team since 2016. Emily began her career as a brokerage associate with Wells Fargo Bank in 2012. She is Series 6, 7, 63 and 65 registered and also holds life and health insurance licenses. Emily is a graduate of Christopher Newport University with a degree in Finance and Communications and has completed the Registered Paraplanner Professional Designation Program through the College for Financial Planning. Emily focuses on the group’s retail operations and high net worth clients.
H. James Johnson, III, AIF®, MBA
Associate Vice President-Investments
James Johnson joined the Optimal Service Group in 2014. James began his career as an intern with the group while pursuing his Masters of Business Administration at the College of William and Mary. He has since transpired into the role of a financial consultant, utilizing his efforts on the institutional side of the business. James’ main focus is business development as he attends various industry seminars and conferences as well as consulting to the group's foundation and endowment clients.
James earned his B.A. in Economics from The College of William and Mary while being a 4 year starter for Tribe Football, earning the CAA Commissoner's Academic Award for his efforts off of the field. He is Series 7 and Series 66 registered and is also a Level 1 candidate for the Chartered Financial Analyst Institute program.
James is involved with multiple non-profit organizations as well as serving on the board of William and Mary’s Hulon Willis Association. James resides in Williamsburg.
Julia M. Halstead, CFP®, CPWA® AIF®
Senior Vice President-Investment Officer Financial Consultant
A Williamsburg native, Judy Halstead earned her bachelor’s degree from the College of William and Mary in her hometown in 1979. She was an associate in the trust and estate department of a large law firm in Richmond for eight years before returning to Williamsburg in 1994 where she transitioned into the financial services industry. In 1995, Judy joined the Optimal Service Group. She is Series 7, 63, and 65 registered.
As a fully-registered Financial Consultant, Judy works with clients to develop and implement personal financial strategies designed to help them pursue and achieve their life goals. She focuses on portfolio analysis, asset allocation, investment planning, IRAs and personal and charitable trust matters.
Judy obtained her CERTIFIED FINANCIAL PLANNER™ certification in 2006. The Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and federally registered CFP in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. She is also a member of the Central Virginia chapter of the FPA (Financial Planning Association).
Judy also holds the Certified Private Wealth Advisor® certification, earned in 2014. This certification is administered by the Investments and Wealth Institute® and taught in conjunction with The University of Chicago Booth School of Business. In addition, Judy attained the Accredited Investment Fiduciary (AIF®) designation in 2014.
Judy and her husband, Jim, are active in their church and its community outreach programs, including the Community of Faith Mission, a homeless shelter ministry. She supports several local charities including Child Development Resources and Housing Partnerships.
Karen H. Logan, CIMA®, AIF®, CRPS®, MBA
Senior Institutional Consultant
Karen Logan joined The Optimal Service Group in 2010. She began her career in the home office of Wells Fargo Advisors' predecessor firm in 2002. Karen was with the Institutional Consulting Group where she provided performance reporting, IPS development, and asset allocation studies. Karen also conducted manager research involving approximately 300 managers for one of the firm's separately managed account programs as well as launching a proprietary program utilizing ETF's. More recently she provided research on traditional and alternative investments for a regional Registered Investment Advisor.
As a member of The Optimal Service Group, Karen assists the Institutional Consulting team in providing client service, generating quarterly reports and performing various research projects. In 2011, Karen received the Certified Investment Management Analyst® designation from the Investments and Wealth Institute®, in conjunction with the Wharton School of Business.
Karen earned an MBA from Virginia Commonwealth University and a Bachelors of Arts degree in Chemistry from Virginia Tech University. She is Series 7, 63 and 65 registered. Karen and her husband Geoff reside in Williamsburg.
Loughan Campbell, CIMA®, AIF®, MBA
Loughan Campbell joined Wells Fargo Advisors in 2005. Prior to joining the Optimal Service Group in 2008, she supported the firm's investment planning initiative in the corporate headquarters. Loughan led the team responsible for best practices and quality of the Envision® program.
Before joining Wells Fargo Advisors, Loughan spent 14 years in New York City, returning to Virginia after receiving her M.B.A. from NYU's Stern School of Business. While earning her degree, she worked for a large, well known institution underwriting corporate insurance for financial companies. In 2007, Loughan received the Certified Investment Management Analyst® designation from the Investments and Wealth Institute®, in conjunction with the Wharton School of Business.
Loughan graduated from the University of Virginia as an Echols Scholar in 1989. She is Series 7 and Series 66 registered and holds a Life & Annuity and Health state license. Loughan lives in Williamsburg.
Robin S. Wilcox, AIF®, MBA
Robin Wilcox joined Wells Fargo Advisors in 2002. She has over 35 years of industry experience, most recently as director of consulting services for a regional New York Stock Exchange member firm. She began her securities career at Wheat, First Securities, a predecessor of Wells Fargo Advisors.
As a Financial Consultant, Ms. Wilcox has the primary responsibility of supporting the Optimal Service Group’s institutional consulting effort. In this capacity, she focuses on investment performance evaluation and reporting, asset-allocation modeling and investment-manager monitoring. She also consults with high-net-worth clients to offer comprehensive investment management and account-management advice and services.
Ms. Wilcox earned an MBA from the University of Richmond and a bachelor’s degree (magna cum laude) in marketing from Virginia Commonwealth University. She holds the Series 7, 63, and 65 securities registrations.
Ms. Wilcox lives in Williamsburg with her husband and three sons.
Vicki A. Smith, FPQPTM
Assistant Vice President
Senior Registered Client Associate
Vicki Smith joined the Optimal Service Group in 2011. Vicki has been with the combined firm including Wheat First Securities and A.G. Edwards and Sons, for 26 years and has over 30 years of experience in the financial services industry. As a member of The Optimal Service Group, Vicki focuses on asset allocation, portfolio rebalancing and retirement planning for our high net worth clients.
An honors graduate of Drake University in Des Moines, Iowa, Vicki is Series 7, Series 63 and Series 65 registered. Vicki lives in Williamsburg.
*Wells Fargo Advisors is not a legal or tax advisor. Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo & Company.