About Us

Plan With A Team That Looks At The Full Picture

LD&B Financial Group is part of the 100% employee-owned LD&B family of insurance and financial services, founded in 1975. LD&B is a local name that has served individuals, families, and businesses across Virginia for generations. That history matters because financial decisions rarely happen in isolation. Your investments, insurance, retirement income, business needs, family priorities, and long-term goals all affect one another. Our role is to help you bring those pieces into one conversation, so your plan is built around the life you are actually living and the future you are working toward.

With offices in Harrisonburg and Waynesboro, Virginia, we pair longstanding local relationships with practical financial guidance for people who want a team that can listen, explain, plan, and stay involved over time.

Where Protection Is A Planning Priority

A financial plan should account for more than investments. Because we are connected to LD&B’s broader insurance experience, we help you think through wealth and protection together, so your insurance, retirement, investment, and planning decisions support the same bigger picture.

A Standard Of Care That Doesn’t Go Unnoticed

Clients come to us with questions about retirement, investments, insurance, business planning, and the future they are working toward. Our recognition through SmartVestor* and Circle of Excellence* reflects the same standard we aim to bring to every relationship: practical guidance, consistent follow-up, and genuine care.

*Chad Hatter, JR Showalter, and Adam Savanick received the Circle of Excellence qualification.

*Zachary Hatter and Steve Brunk are the Ramsey Smartvestor Pros.

Meet The Team

*The Cetera Financial Group's Circle of Excellence recognition is not a guarantee of future investment success and should not be construed as an endorsement of Chad Hatter, JR Showalter, or Adam Savanick by any client.

*Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmartVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for client leads that are provided. Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera Wealth Services and LD&B Financial Group and is not sponsored or endorsed by Cetera or LD&B Financial Group.

Built-In Support For Business Retirement Plans

Our work with business owners includes helping employers offer tailored retirement plans. From plan design or review and investment guidance to employee education and ongoing support, we help businesses think through 401(k)s, SIMPLE IRAs, and other retirement plan options as part of a more coordinated financial picture.

Our Core Values

Integrity

We do the right  thing.

Service

We prioritize  others.

Innovation

We create  solutions.

Teamwork

We build on  trust.

Generosity

We give back  to our community.

Tell Us About What Brings You Here

Whether you’re preparing for retirement, growing a business, protecting your family, or trying to understand how the pieces fit together, we’d like to hear what’s on your mind and where you want life to go next.

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Doing Good Is In Our DNA

Through LD&B Cares and our work with local nonprofit organizations, we support organizations that serve the people and places we call home. That same commitment shapes how we care for clients, families, and businesses.

The charitable entities and/or fundraising opportunities described herein are not endorsed by, or affiliated with Cetera Wealth Services, LLC or its affiliates. Our philanthropic interests are personal to us and are not reviewed, sponsored, or approved by Cetera Wealth Services, LLC.

Making A Difference, 365 Days A Year

Nearly 300

Nonprofit organizations supported or sponsored in 2025

Over 800

Hours a year of paid leave for volunteer work

$750

Dollars per employee allotted yearly to support nonprofits

Supporting LD&B Financial Group

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Frequently Asked Questions About LD&B Financial Group

LD&B Financial Group provides financial planning, investment guidance, retirement planning, business financial solutions, and insurance-related planning support for individuals, families, and businesses. Based in Harrisonburg, Virginia, our team helps clients bring investments, insurance, income needs, risk planning, and long-term goals into one coordinated conversation.
LD&B Financial Group is part of the broader LD&B family of Insurance and Financial Services. That connection helps clients think beyond investments alone and consider how insurance, protection planning, business risk, retirement needs, and family priorities may work together in a financial plan.
We work with individuals and families, business owners, people nearing retirement, and retirees who want help making financial decisions with the full picture in mind. Many clients come to us with questions about retirement income, 401(k) rollovers, investments, insurance, business planning, or how to connect several financial decisions into one plan.
Bring what you already have: investment statements, retirement account information, insurance policies, income sources, business retirement plan details, and the questions you want to talk through. You do not need everything perfectly organized before we meet. We can help you sort through the pieces and identify what may need attention.
Our approach starts with listening. We want to understand your values, goals, current financial picture, and the questions you are trying to answer. From there, we review your assets, income, risk, insurance needs, retirement timing, expenses, and priorities, then help shape those details into an action plan you can understand and revisit as life changes.

How We Help

Find the financial support that fits what you’re planning for.

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How We Work

See how we turn scattered questions into a plan you can use.

Discover Our Approach

About Our Team

Get to know the people helping you plan what comes next.

Meet The Team