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Personalized solutions for your financial needs
Meet Our Team

The Financial Consultants at Franklin Federal Financial Center have a combined experience of more than 60 years.



Paul Hughes
Paul Hughes, Financial Consultant

Paul has been serving the financial needs of individual and small business investors since 1987. As a CETERA Financial Consultant, Paul offers a full-service brokerage program, including stocks, bonds, mutual funds, tax-deferred annuities, financial plans, and insurance services.

Paul is an Investment Adviser Representative and maintains 5 FINRA general securities registrations. He graduated in 1993 with a degree in Financial Accounting from Metropolitan State University in Denver, Colorado.

Paul is very active in the community, in his church, with the Boy Scouts, and serves on several neighborhood boards.

804.363.3405


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Michele Fail
Michele Fail, Financial Consultant

Michele provides outstanding customer service and support to the Financial Center. Her experience in retail banking and life insurance is a huge asset to the organization. In addition to working in the banking and insurance industries, Michele has worked with children with special needs, has raised a family and has been a community leader in various organizations including scouting and church.

Michele moved to Richmond in 1997 and is a proud wife and mother of two adult children. She currently holds 3 FINRA and Virginia securities registrations.

804.967.2136


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Paul Kelly
Paul Kelly, Financial Consultant

Paul's focus is to help our clients achieve their financial goals and accomplish their personal, family and organizational missions. He offers services that strive to enhance and preserve our client's wealth across generations. Through a multi-dimensional approach, Paul offers a customized investment program that is tailored to the needs and objectives of each individual client. Paul comes to us with over ten years of experience within the financial industry. Paul is a Richmond native and graduated from Villanova University where he majored in Finance.

804.385.7128


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Bill Roberts
Bill Roberts, Financial Consultant

Bill has been serving the financial needs of individual and small business investors since 1981. As a Financial Consultant, Bill offers a full-service brokerage program, including stocks, bonds, mutual funds, tax-deferred annuities, financial plans, and insurance services. Bill has extensive experience as an Investment Counselor and Principal in brokerage firms, nationally known investment firms and as an Independent Investment Advisor. Bill maintains 5 FINRA and Virginia securities registrations.

Bill is married with one daughter in college. He is also a musician who enjoys performing and the opportunity of meeting people from all walks of life.

804.249.2275


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Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate CETERA Advisory Services Agreement and disclosure brochure as provided.



Securities, insurance products and advisory services offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA / SIPC. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. Cetera is under separate ownership from any other named entity.
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Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
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