Fredericksburg Referral Partners

Jay Palmer
Team Chair

Merrill Lynch

Financial Advisor

Jay Palmer
Team Chair

As a Merrill Lynch Financial Advisor, I focus on helping clients achieve their best life possible with the resources they have. My goal is to help clients discover the purpose behind their money through retirement and legacy planning. I place great value in developing relationships and believe a strong foundation leads to greater understanding of the client’s financial situation. I take pride in being available to clients and providing friendly, personalized service backed by the investment insights of Merrill Lynch and access to the banking convenience of Bank of America.

PHONE: 540-899-2457
EMAIL: [email protected]

Janet Holt
Assistant Team Chairwoman

Broker of Holt For Homes, Inc.

Broker and Realtor

Janet Holt
Assistant Team Chairwoman

My passion is putting my long years of education and experience, from interior design to the practice of real estate law, to real estate education, towards protecting the best interests of my clients. My company represents real estate sellers and buyers, including investors, and we also handle land and new construction transactions. My realtors and I are dedicated to integrity and professionalism, and to providing true white glove service through each step of your real estate transaction. Learn more about us at www.holtforhomes.com.

PHONE: 540-840-4879
EMAIL: [email protected]

Nancy Masannat

Simple Joy Designs

Creative Director

Nancy Masannat

Hello, I’m Nancy Masannat, Creative Director of Simple Joy Designs. Simple JOY Designs is creative when you can’t be. Assisting with events and gifting, home staging both vacant and occupied and even home decor these are just some of the services offered. Our goal is to bring JOY to your environment and special occasions.


PHONE: 540-840-6034
EMAIL: [email protected]

Jerry Baker

Fit for Life Int'l LLC

Health and Wellness Consultant

Jerry Baker

I'm here to help you achieve optimal wellness through Personalized Nutrition, Weight Loss, Anti-Aging Skin Care, sports nutrition and non-toxic cleaning products.

PHONE: 703-626-0774
EMAIL: [email protected]

Hilary Dupill

Bayfield Home Loans LLC

Loan Officer

Hilary Dupill

Bayfield Home Loans is a veteran owned business that believes the client is more than a number. We are available during the hours that are convenient for you. Striving to make every client feel as if we are only working for them. As a retired military spouse and Loan Officer I understand the importance of finding a home for the short term, long term, or during the transition into Retirement with a home loan that will fit the needs of your family.

PHONE: 724-787-7491
EMAIL: [email protected]

Sam de Jager

Travel Advisor with Cruise Planners

Associate of Lina Dicola

Sam de Jager

Cruise Planners is a full service travel agency offering vacation inspiration to our clients.

(540) 288-3945

Gordon Duncan

CEO of Capitalize Marketing & Consulting

Gordon Duncan

Hello, everyone. My name is Gordon Duncan.

In the past 30 years, I’ve taught in the public-school system, managed eye clinics, led sales' teams, consulted in the vinyl fencing industry, planted churches, ghost-written books, advised social media, and published books on theology, church, eye care, and culture.

Three of my books have been bestsellers: “Joy in Trials” on the book of Ruth, “Practice Progress” for the eye care industry, and my most recent book, “How to Attract Clients”.

Despite epilepsy, I am passionate about running, having run over 20 marathons, and I am a 2019 & 2021 Boston Marathon qualifier.

Presently, I am the CEO of Capitalize Marketing & Consulting. We are a full-scale marketing company providing marketing plans, social media, websites, graphics, and videos. We help you and your company capitalize on what you do best so you can better care for your clients and customers.

Additionally, I am a Certified Coach, Teacher, Trainer, and Speaker with The John Maxwell Team.

I have been happily married to Amy for over 25 years and am the proud father of 3 wonderful girls.

Laura Pate Rodier

Marketing Director for The Title Professionals

Laura Pate Rodier

A native of NC and a graduate of North Carolina State University, I have called Virginia home for 22 years. With my degrees in Education and English, I taught high school English for years, then stayed home for a while to raise my now 20 and 17 year old children, went back to teaching, homeschooled for awhile, then became a realtor which put me where I am today – as the Marketing Director for The Title Professionals.

I love that my job enables me to be out and about meeting people and attending events. The Title Professionals is not a large franchised company like some other title company options in this area, which means our client base is created from building personal relationships and providing the best possible customer service.

When I am not working at The Title Professionals, I enjoy my part-time gig as a portrait artist. I would love to do that work fulltime, but until I am dead I doubt my paintings will be worth very much so I must keep my day job. I am also an avid reader of all books, a church choir alto, and the mom to one ridiculous Corgi named Bean.

Adam Forsberg

Associate Sales Representative for Liberty Mutual Insurance

Adam Forsberg

As a local Liberty Mutual agent I provide a complete review of my clients' personal insurance needs. I specialize in auto, home, renters, life, umbrella, jewelry, and pet insurance. In addition to Liberty Mutual, I can also offer quotes from other insurance providers if they better suit the needs of my clients.