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Our Team
Rick A. Huff
Rick A. Huff
-Wealth Manager
Education:
Xavier University, BS, Accounting
Xavier University, MBA
Golden Gate University, MS Tax
Credentials:
Certified Public Accountant (CPA)
Personal Financial Specialist (PFS)
Life Experience:
After being in the accounting field for years, Rick started studying the financial planning field and in the late eighties joined the practice his friend had started. As a member of the American Institute of Certified Public Accountants, he also belongs to the Personal Financial Planning Division of the AICPA and has been accredited as a Personal Financial Specialist (PFS) through the AICPA. He was a contributing editor to the Financial Planning Section of the Journal of Accountancy for a number of years, and is a frequent speaker and writer on the subject of personal finance. Rick has been quoted in The Wall Street Journal, Medical Economics and Money Magazine.
Rick has been happily married for 37 years to Deborah and enjoys playing raquetball, spending time with his two children, and being grandfather to two grandchildren. Contact Me 
Alexander J. Stuart, III (Sandy)
Alexander J. Stuart, III (Sandy)
-Investment Consultant
Education:
U.S. Military Academy - West Point, BS
Lynchburg College, MBA
Credentials:
Certified Public Accountant (CPA)
Life Experience:
Sandy Stuart is the son of a career Army officer. Sandy lived the nomadic life of an Army brat. After graduation from the U.S. Military Academy at West Point, NY in 1961, Sandy served twenty years in the Army, with overseas assignments that included Germany and two combat tours in Vietnam.
While in the Army, Sandy's specialties were computer systems and the Field Artillery. He retired as a lieutenant colonel in 1981, with his last assignment being at the Pentagon with the office of Assistant Chief of Staff for Automation and Communications for the Department of the Army.
After moving back to Lynchburg, Sandy earned an MBA from Lynchburg College and passed the CPA exam.
Upon joining the firm in 1991, Sandy established the firm's investment philosophy of designing and managing portfolios and served as senior investment manager until 2010. He currently is semi-retired and employed as a part-time consultant.
Sandy and Linda celebrated their fifty-first wedding anniversary in June 2012. They have two children and seven grandchildren. Besides investing, Sandy's primary interests are serving in the leadership of Rivermont Evangelical Presbyterian Church, watching college football, ballroom dancing and hiking with his wife. Contact Me
Brian R. Carlton
Brian R. Carlton
-Financial Planner
Education:
Virginia Tech, BS, Finance
Old Dominion University, MBA
College for Financial Planning
Credentials:
Certified Financial Planner (CFP®)
Licensed Insurance Consultant (Life/Health) -Virginia
Former Licensed Nursing Home Administrator
NAPFA Registered Financial Advisor
Life Experience:
Serving in the US Peace Corps in South Korea, Brian traveled extensively through Southeast Asia and taught English in a foreign language school in Japan. Respect for the elderly was ingrained in him throughout his time in Asia.
From 1984 to 1995 he was a Licensed Nursing Home Administrator acquainting him with aging issues including gerontology, geriatrics, Medicare, Medicaid, the psychology of aging and the aging process.
From 1995 to 1999 he owned and was president of Carlton Financial Services. The firm practiced comprehensive financial planning and in 2000 it merged with Sandy and Rick to become HSC Wealth Advisors.
Brian's life experiences, copious education and professional involvement give him a unique blend of attributes that make him an expert on aging and financial issues. Contact Me 
Joel E. S. Bengds
Joel E. S. Bengds
-Investment Manager
Education:
Liberty University, B.S.
University of Georgia - Terry College of Business (Executive Program in Financial Planning)
Credentials:
Certified Financial Planner (CFP®)
Accredited Investment Fiduciary (AIF®), NAPFA Associate
Life Experience:
Joel joined HSC as an investment manager in 2005. Joel is passionate about offering unbiased financial advice and managing investment assets based on client’s goals and objectives. Joel obtained his Certified Financial Planner TM certification in 2012.
Joel and his wife Melissa have three children, Aiden, Jesse and Elina. Joel enjoys spending time with his family and is involved in his local church. Contact Me 
Justin M. Victor
Justin M. Victor
-Financial Planner
Education:
Liberty University, BS, Finance
University of Georgia - Terry College of Business (Executive Program in Financial Planning)
Credentials:
Certified Financial Planner (CFP®)
Licensed Insurance Consultant (Life/Health)- Virginia
NAPFA Associate
Life Experience:
Justin joined HSC in August of 2008. With 7 years’ experience, Justin’s responsibilities include assisting with client analysis in the area of retirement accumulation and distribution, insurance planning, tax planning, estate planning and education planning. Justin graduated from Liberty University in 2005, where he received his Bachelor's degree in business with an emphasis in finance.
Justin is a Licensed Insurance Consultant in the state of Virginia. His strongest credential is that he holds the CFP® certification. He has met rigorous certification requirements including initial and continuing education, examination and experience standards, and agreed to adhere to a strict code of ethics and practice standards. He received his CFP®course work requirements through the Terry School of Business, University of Georgia.
Justin is also a member of NAPFA, a professional association of fee-only financial advisors. Justin lives in central Virginia with his wife, Joy, and their daughter, Nadia. Together they enjoy adventure activities throughout the Blue Ridge Mountains including canoeing, fishing and hiking. Contact Me 
Joseph D. Eskridge, Jr.
Joseph D. Eskridge, Jr.
-Investment Manager
Education:
University of North Carolina at Chapel Hill, AB
Wake Forest University, The Babcock School, MBA
College for Financial Planning
Credentials:
Chartered Financial Analyst (CFA) designation
Fellow, with distinction, of LOMA's Life Management Institute
NAPFA Associate
Life Experience:
Joe has built a career in the financial industry gaining experience in mergers and acquisitions and serving as a trust and investment management advisor. Additionally, his role in managing the operating and capital budgets of an insurance and wealth management segment provides valuable experience in the business community.
Besides investing, Joe’s primary interests include serving in the leadership of First Presbyterian Church, First Presbyterian Weekday School, Lynchburg Area Center for Independent Living and the Kiwanis Club of Lynchburg. He also is an alumnus of Leadership Lynchburg and enjoys playing racquetball and watching college football. Joe lives in central Virginia with his wife, Beth, and their three daughters, Emmaline, Elizabeth and Ella. The elements that make him a trusted fiduciary—loyalty, commitment and enthusiasm—also make him a great husband and father. Contact Me 
Sharon H. Wrenn
Sharon H. Wrenn
-Client Service Manager
Life Experience:
Sharon ensures our clients' needs are handled properly through our office. She is our liaison with Schwab and Fidelity Investments and is usually the first point of contact when you call.
Sharon had over 28 years of banking experience, most of it with Central Fidelity Bank (CFB), then Wachovia. While at CFB, Sharon took numerous computer, management and American Institute of Banking courses.
Sharon joined HSC Wealth Advisors in 1999 where her prior experience has been a tremendous asset to the firm. Sharon has been married to Ron Wrenn for 40 years, and they have one son, Matthew. Sharon and Ron both enjoy doting on their grandson, Noah. Contact Me
Tamara D. Tolsma
Tamara D. Tolsma
-Financial Planning Analyst
Education:
Liberty University, BS, Accounting
Life Experiences:
Tami assists the Financial Planners at HSC Wealth Advisors to ensure the efficient delivery of services to you. Prior to joining HSC, Tami completed her undergraduate degree at Liberty University where she specialized in Accounting and Finance. She is a lifelong native of Lynchburg, VA. Tami attended Liberty Christian Academy for 12 years and graduated valedictorian of her class in 2008.
Tami spent two summers in Missouri at Kanakuk Kamps as a counselor for teenage girls. She enjoys waterskiing with her family and playing sports in her free time. Contact Me 
Contact Us
HSC Wealth Advisors
1563 Crossings Centre Drive
Suite 100
Forest, VA 24551
Phone: 434-316-9356
Fax: 434-316-9357
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