Retirement Planning Specialists

Luke Kohart

Financial Advisor

About Luke

Luke Kohart has been in the financial services industry since graduating from Radford University in 2014, with a focused specialization in corporate retirement plans since 2017. As a retirement plan specialist with Frieden Wealth Management, Luke partners with business owners, executives, and HR teams to help improve plan outcomes while simplifying the complexities of managing a 401(k) plan.

His approach is centered on providing clarity, confidence, and structure in an area that can often feel complex. He works closely with clients to deliver strategies that support strong plan outcomes while maintaining a clear focus on compliance and long-term success.

Jody Balaban

Insurance and Employee Benefits
Commonwealth Benefits
Affiliated with The Frieden Agency

About Jody

Jody is a lifetime resident of Hampton Roads who has been in the insurance and financial services industry 2004. He enjoys working with businesses to help implement and service their employee benefits programs. In addition, Jody works with individuals and their families to help them plan for all aspects of their financial needs. Jody graduated from the University of Alabama in 2001 with a major in Family Financial Planning.

Josh Withers, CLU^®, ChFC^®, AIF^®

Financial Advisor

About Josh

Born and raised in Virginia Beach, Josh Withers is a trusted financial advisor with more than 24 years of experience working with individuals, families, and business owners to help them make informed financial decisions. He takes a thoughtful, client‑focused approach to financial planning, emphasizing clarity, education, and long‑term relationships.

Josh earned a Bachelor of Science in Business Administration from the University of Mary Washington. He holds the Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), and Accredited Investment Fiduciary® (AIF®) designations, reflecting his commitment to ongoing professional development and fiduciary‑minded guidance.

Ross G. Winfield

Financial Advisor, President
The Frieden Agency

About Ross

Ross has been helping individuals, families, and business owners navigate their financial futures since 2000. As an advisor with Frieden Wealth Management, he takes a thoughtful, personalized approach to financial planning, focused on understanding each client’s goals, lifestyle, and long-term vision.

Ross works closely with clients to develop strategies that support confident financial decision-making. His approach is grounded in building strong relationships and maintaining ongoing communication to help ensure plans remain aligned with each client’s evolving needs.

Support Team