Personal Mission

My work is guided by three pillars: Faith, Family, and Client-Centered Care. As a financial consultant and coach, I prioritize understanding clients’ goals, fears, and values to craft strategies that empower them to live their best lives. Building lasting relationships is at the heart of what I do - I celebrate my clients’ successes as if they were my own.

Professional Expertise

With 28+ years of experience and a CEPA (Certified Exit Planning Advisor)designation, I specialize in retirement planning, business succession, and exit strategies for individuals and institutions. My team and I offer:

• Comprehensive Financial & Retirement Planning
• Investment Analysis & Portfolio Management
• Tax-Efficient Wealth Strategies
• Business Succession & Exit Planning (CEPA-Certified)
• Estate & Legacy Planning
• Social Security & Medicare Optimization
• Protected Growth Strategies
• Wealth Management Consulting Services (for CPA/Attorney Firms, Banks, & CUs)
• Recognized for integrity, leadership, and creative problem-solving, I’m committed to delivering tailored solutions with a client-first approach.

Career Highlights

• 1998: Launched career in insurance and asset protection, later expanding into investments and life insurance.
• 2004: Shifted focus to retirement income planning, integrating tax-smart strategies.
• 2013: Founded my independent advisory practice, DF Consultants, partnering with Level Four Financial, where I served on the CEO’s Advisory Committee to shape firm-wide strategies.
• Honors:
  • Twice named among Virginia’s Top 4 Financial Advisors Under 40 (2013–2014).
  • Recognized as a Top 100 People in Finance (2022, Top 100 Magazine).
  • Featured in FA Magazine (2023) for innovative wealth management programs.

Education & Credentials

• Bachelor of Business Administration (Roanoke College, 1998).
• CEPA (Certified Exit Planning Advisor): Expertise in business transition and exit planning strategies.
• RICP (Retirement Income Certified Planner): Expertise in retirement strategies
• Member of Kingdom Advisors & the Exit Planning Institute
• Ongoing advanced study in retirement planning, investment management, and tax efficiency.

Community & Personal Life

Married to Meggen since 2004, we’re raising six active children in Botetourt County and worship at Orchard Hills Church. When I’m not advising clients, you’ll find me on the field or rink—coaching travel hockey and rec lacrosse—where I help young athletes develop discipline, teamwork, and character. I also mentor high school and college students, having led transformative mission trips with youth groups. Our family enjoys retreats to Massanutten, VA, and our beach home in Ocean Lakes, SC, where we recharge between seasons.

Personal Mission

My work is guided by three pillars: Faith, Family, and Client-Centered Care. As a financial consultant and coach, I prioritize understanding clients’ goals, fears, and values to craft strategies that empower them to live their best lives. Building lasting relationships is at the heart of what I do - I celebrate my clients’ successes as if they were my own.

Professional Expertise

With 28+ years of experience and a CEPA (Certified Exit Planning Advisor)designation, I specialize in retirement planning, business succession, and exit strategies for individuals and institutions. My team and I offer:

• Comprehensive Financial & Retirement Planning
• Investment Analysis & Portfolio Management
• Tax-Efficient Wealth Strategies
• Business Succession & Exit Planning (CEPA-Certified)
• Estate & Legacy Planning
• Social Security & Medicare Optimization
• Protected Growth Strategies
• Wealth Management Consulting Services (for CPA/Attorney Firms, Banks, & CUs)
• Recognized for integrity, leadership, and creative problem-solving, I’m committed to delivering tailored solutions with a client-first approach.

Career Highlights

• 1998: Launched career in insurance and asset protection, later expanding into investments and life insurance.
• 2004: Shifted focus to retirement income planning, integrating tax-smart strategies.
• 2013: Founded my independent advisory practice, DF Consultants, partnering with Level Four Financial, where I served on the CEO’s Advisory Committee to shape firm-wide strategies.
• Honors:
  • Twice named among Virginia’s Top 4 Financial Advisors Under 40 (2013–2014).
  • Recognized as a Top 100 People in Finance (2022, Top 100 Magazine).
  • Featured in FA Magazine (2023) for innovative wealth management programs.

Education & Credentials

• Bachelor of Business Administration (Roanoke College, 1998).
• CEPA (Certified Exit Planning Advisor): Expertise in business transition and exit planning strategies.
• RICP (Retirement Income Certified Planner): Expertise in retirement strategies
• Member of Kingdom Advisors & the Exit Planning Institute
• Ongoing advanced study in retirement planning, investment management, and tax efficiency.

Community & Personal Life

Married to Meggen since 2004, we’re raising six active children in Botetourt County and worship at Orchard Hills Church. When I’m not advising clients, you’ll find me on the field or rink—coaching travel hockey and rec lacrosse—where I help young athletes develop discipline, teamwork, and character. I also mentor high school and college students, having led transformative mission trips with youth groups. Our family enjoys retreats to Massanutten, VA, and our beach home in Ocean Lakes, SC, where we recharge between seasons.

With a B.S. in Economics from Hampden-Sydney College (1973), Charles E. Hunter III brings over 50 years of professional experience, including 10 years in commercial banking at Dominion Bankshares and more than 40 years in the financial investment industry.

He currently works with Mid-Atlantic Securities/Level Four Financial. He holds Series 7, 63, and 65 securities licenses, which authorize him to trade securities and offer investment advice, and he is also licensed for life and annuities.

In community service, Hunter served 14 years on the Economic Development Authority for the City of Roanoke, including 8 years as Chairman. During his tenure, he contributed to key initiatives supporting local business growth and economic revitalization.

Hunter's financial planning team tailors plans to each client's goals and risk tolerance, offering services including:

- Wealth management

- Investment and portfolio analysis

- Retirement planning, including Social Security, rollovers, insurance, and annuities

- Estate and legacy planning with tax-efficient strategies

- Educational savings strategies like 529 plans

Trust, integrity, and a commitment to putting the client's best interests first are foundational to Hunter's work. This principle is especially critical in financial services, where clients rely on trusted guidance to achieve their most important life and financial goals.

With a financial career that began in 1983 - and roots that reach back to lessons learned at his grandfather’s knee - Rob brings decades of seasoned perspective to every client relationship. He specializes in growth-and-income investment management, combining thoughtful strategy with a deep understanding that no two financial lives are ever the same.

Rob’s approach is rooted in logic, discipline, and quality. He avoids market fads and emotional decision-making in favor of customized strategies that prioritize long-term results, risk control, and sound common sense. “If there’s a question or a need in your life that involves a dollar sign,” he says, “I want to know about it. I am your resource and your sounding board.”

While investment management is the structural base of his practice, the foundation is the relationship itself—built on trust, clarity, and ongoing communication. Every plan he creates is tailored to the specific goals, needs, and circumstances of the individual or family he serves.

Rob is part of a seasoned team of four veteran advisors who come together to form a single, unified practice. Each member brings distinct strengths and areas of specialty to the table—from investment management and retirement income planning, to estate strategies, tax-conscious investing, education funding, and wealth transfer. Working collaboratively, they offer clients a comprehensive and cohesive financial experience, with the depth and flexibility to address a wide range of life’s financial challenges.

I keep to myself

Michelle has served as the Director of Operations and Client Service at DF Consultants since 2021, bringing years of experience in an operational management role and client service to DF Consultants.

At DF Consultants, Michelle leads day-to-day operations, ensures exceptional client service, and supports strategic initiatives that enhance both client experience and operational efficiency. Known for her meticulous attention to detail and dedication to excellence, she plays a pivotal role in upholding the firm’s high standards of integrity and responsiveness. Michelle finds deep fulfillment in client interactions, striving to serve in a way that reflects her values and faith.

Outside of work, Michelle enjoys spending time with her family (including her three children), volunteering in her church’s youth program, serving as President of the Board for the Keystone Community Center, and seeking out opportunities to be near the water whenever possible.

Jean joined DF Consultants in September 2024 as a registered Client Relationship Coordinator in the Harrisonburg office. She worked with Harris & Associates in that capacity for 23 years, prior to the acquisition by DF Consultants. Jean enjoys helping clients with their financial planning needs and getting to know them on a more personal level.

With 20 years of marriage, Jean has 2 children, 1 grandchild, and 2 dogs. In her spare time, she loves to garden, play golf, go camping, and spend time with her family.

Wendy Pauley has been a registered account administrator with Mid-Atlantic Securities since 2010, with Level Four Financial since 2022, and with DF Consultants since March 2025. Wendy has been in the financial services industry for 35 years. She enjoys helping clients and developing good relationships.

Wendy has been married for 32 years and has one daughter, Lauren, who is a Doctor of Physical Therapy. Outside of work she enjoys gardening, taking long walks, going to the pool and beach and being with her family.

Come back with a warrant

Ashley joined Hunter, Fraim, Devlin, & Fletcher Wealth Management in 2025, during the merger of DF Consultants and Mid-Atlantic Securities.

She is a Liberty University student working to receive dual bachelor’s degrees in Accounting and Business Administration & Data Analysis.

In the future, Ashley wants to pursue her CPA license and continue working in the finance and accounting industries.

DFC's resident mobster

If this company were the cast of Friends, he'd be Kramer