Bradley Martin is a financial advisor at Equitable Advisors with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Yes Hearing and SmartBrief, as well as entrepreneurial involvement with All Digital Dental Design Studio and Star City Games. He also serves as an administrator or executor of an estate and trustee of a trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance services.

Nathaniel Hamilton is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and previously worked at Financial Growth Partners. Prior to his advisory career, he has experience in education and the brewing industry. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through program sponsors and endorsed third-party managers, focusing on both discretionary and non-discretionary asset management solutions.

Patrick Robertson is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and 13 years of industry experience. He has been with Equitable Advisors since 2012 and previously worked at Axa Advisors. Outside of his advisory role, he presents retirement planning seminars and webinars to federal government employees as an independent contractor. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Thomas Natoli is a financial advisor with Equitable Advisors in Falls Church, VA, holding CFP® and ChFC® designations and 32 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. In addition to his advisory role, he is involved in an outside insurance brokerage business. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Christopher Regan is a financial advisor with Equitable Advisors in Falls Church, VA. He holds a Series 66 designation and has 11 years of industry experience, having worked at Equitable Advisors and its predecessor Axa Advisors, LLC since 2014. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Keith Lee is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at Nike and has been involved with the Racial Equity Institute since 2023. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs through a dual-registered model as both an SEC-registered investment adviser and broker-dealer.

Kenyon Wagner is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and 10 years of industry experience. He has been with Equitable Advisors and its predecessor entities since 2016, including AXA Advisors and AXA Equitable. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing a variety of LPL-sponsored programs and endorsed third-party managers.

Nan Juan is a financial advisor with Equitable Advisors in Falls Church, VA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and numerous third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Evan Felix is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has worked at several firms, including Daurem LLC and Greek House. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance services.

Michael Levesque is a financial advisor with Equitable Advisors in Baltimore, MD, holding a Series 66 designation and 11 years of industry experience. He has worked at Equitable Advisors since 2015 and previously at Axa Advisors. Outside of financial advising, he was involved with Bike Doctor of Waldorf for ten years and currently works as a sales associate with Realty Benefit Services, focusing on group and individual benefits for real estate agents. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage channels to implement client recommendations.

Gavin Fung is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at PBMares, LLP and Andersen Tax, as well as a period of self-employment. He is also involved with Ascend Planning & Consulting, LLC. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model that combines advisory and brokerage channels to tailor services based on clients’ goals and risk tolerance.

Austin Fernandez is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held various roles including positions at Middleburg Tennis Club and work experience during his education at Hampden-Sydney College. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that integrates advisory and brokerage/insurance channels to deliver tailored client solutions.

Hay Wong is a financial advisor with Equitable Advisors in Falls Church, VA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored financial solutions.

Justin Gaudet is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at AXA Advisors and the New Canaan Group. He also operates a business under the name BL FINANCIAL GROUP. Equitable Advisors serves a diverse client base, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm is dual-registered as an SEC investment adviser and broker-dealer and utilizes a variety of third-party and LPL-sponsored programs to deliver advisory and brokerage solutions.

Luther Ensminger Jr. is a financial advisor with Equitable Advisors in Falls Church, VA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Ensminger serves on the board and investment committee of PST Advisors, LLC. Equitable Advisors provides financial planning, retirement plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm utilizes a hybrid referral and implementation model, offering advisory and brokerage channels through LPL programs and third-party asset managers.

Yufang Juan is a financial advisor at Equitable Advisors with 21 years of industry experience. She has been with Equitable Advisors since 2004 and previously worked at Axa Advisors, LLC. In addition to her advisory role, she operates an outside insurance brokerage. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage/insurance channels to deliver tailored financial solutions.

Tak Fung is a financial advisor with Equitable Advisors in Centreville, VA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with AXA Advisors, LLC. Fung is also appointed with several insurance carriers to offer group term life and disability insurance products. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Gerald Grant III is a financial advisor with Equitable Advisors in Haymarket, VA, holding a Series 66 designation and nine years of industry experience. Prior to joining Equitable Advisors in 2016, he worked at Deloitte Consulting, LLP from 2014 to 2016. Outside of his advisory role, he is an author and publisher of the book *The Power of Generational Wealth* and engages in paid speaking engagements. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm operates a hybrid referral and implementation model, leveraging LPL and multiple third-party asset managers to deliver tailored advisory solutions.

Nathan Moore is a financial advisor at Equitable Advisors with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2003. Moore serves as a board member of the Ashland University College of Business and Economics Advisory Board and is president of the Greater Washington DC chapter of the National Association of Insurance and Financial Advisors (NAIFA). He also volunteers as the tournament director for the Cougar Clash Baseball Tournament. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying heavily on LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Kyra Irani is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. Prior to joining Equitable Advisors in 2024, she held various roles including positions at Trader Joe's, BrewBike, and Commonwealth One Federal Credit Union. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage channels to implement client recommendations.

Justin Nesheiwat is a financial advisor with Equitable Advisors, holding a Series 66 designation and nine years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at AXA Advisors. Outside of his advisory role, he serves as an assistant men's rowing coach at Woodrow Wilson High School. Equitable Advisors serves a diverse range of clients including individuals, high-net-worth investors, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Benjamin Turman is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has previously worked at Publix and The College of William and Mary. His background includes roles outside finance, such as positions at Fredericksburg Academy and Mercantile (Foode). Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored client solutions.

Richard Allen is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2002, including its predecessor Axa Advisors. Outside of his advisory role, he serves as president of a homeowners association and is a board member of the DC Public Education Fund. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring services through a client intake process and offering various advisory program structures.

Tasha Coconis is a financial advisor at Equitable Advisors with 27 years of industry experience. She holds Series 66 and Series 65 licenses and has been with Equitable Advisors since 2000, including its prior affiliation as AXA Advisors. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm works extensively with program sponsors and third-party managers, delivering advisory and brokerage solutions with a mix of discretionary and non-discretionary asset management.

Henry Shields IV is a financial advisor with Equitable Advisors in Vienna, VA, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked at Axa Advisors, LLC. Outside of his advisory work, Shields serves as administrator and executor for multiple estates and trusts. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals and risk tolerance.

Scott Greenberg is a Series 66-licensed financial advisor with Equitable Advisors, based in Falls Church, VA. He has 15 years of industry experience and has worked with Equitable Advisors and its predecessor, AXA Advisors LLC, since 2010. Outside of his advisory role, Greenberg serves as president and board member of the Brick Morning Rotary Club in New Jersey. Equitable Advisors provides financial planning, retirement plan support, and asset management solutions to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm utilizes a hybrid referral and implementation model, offering both advisory and brokerage channels through partnerships with LPL Financial and various third-party asset managers.

Lyle Yablonsky is a financial advisor with Equitable Advisors in Leesburg, VA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2002. Outside of his advisory role, he conducts educational seminars through the National Institute of Transition Planning for federal employees and sells disability insurance. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Joseph Lazzari is a financial advisor at Equitable Advisors with five years of industry experience and holds a Series 66 designation. His prior work includes roles at UBS Financial Services, Realty Benefit Services, and involvement in a non-investment sales associate capacity with DERGALIS ASSOCIATES LLC. He has also worked in education at The Catholic University of America Busch School of Finance and Atholton High School. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm provides financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored programs and a range of endorsed third-party asset managers.

Daniel Leroy is a financial advisor at Equitable Advisors with nine years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2016, including time when the firm was known as AXA Advisors LLC. Equitable Advisors serves a diverse client base that includes individuals, high-net-worth clients, retirement plans, corporations, charities, and institutional investors, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, working extensively with program sponsors and third-party managers to deliver advisory and brokerage solutions.

Tanika Washington is a financial advisor with Equitable Advisors in Falls Church, VA. She holds Series 65 and Series 63 credentials and began her advisory career in 2026. Prior to joining Equitable Advisors, she worked at Oracle for four years and has been involved with Ayanna Financials, LLC since 2020. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored and endorsed platforms.

Paul Martin is a Series 66 licensed financial advisor with Equitable Advisors in Arlington, VA, where he has worked since 2014. He has 12 years of industry experience, including time at AXA Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations. The firm offers financial planning, retirement plan support, and access to asset management through LPL programs and a broad range of third-party asset managers, operating a hybrid referral and implementation model that includes both advisory and brokerage/insurance channels.

Jason Crawford is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2002, including its predecessor Axa Advisors. Outside of his advisory work, he serves as an appointed board member for The Spectrum condominium association, where he participates in committees focused on building security and local city issues. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals, risk tolerance, and time horizon.

Mark Toia is a financial advisor with Equitable Advisors in Herndon, VA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2002, including its prior affiliation as Axa Advisors. Outside of his advisory role, he serves as a trustee for a family trust and acts as an administrator or executor of an estate. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Chia Sheng Wang is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and previously worked at Guggenheim Partners from 2015 to 2023. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Daniel Mcnulty is a financial advisor with Equitable Advisors in Gainesville, VA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has worked at Equitable Advisors since 2001 and previously operated under AXA Advisors, LLC for 19 years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party programs. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage services tailored to client goals, risk tolerance, and time horizon.

Mark Dolfis is a financial advisor with Equitable Advisors in Bradenton, FL, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2006. Outside of his advisory work, he is involved in an outside insurance brokerage business, serves as an executor of his sister’s estate, and operates Ascend Planning & Consulting LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Christopher Weins is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and 12 years of industry experience. He has been with Equitable Advisors since 2013 and previously worked at Axa Advisors from 2013 to 2020. In addition to his advisory role, he provides part-time administrative support to another advisor at Equitable Advisors and serves as an administrator or trustee for estates or trusts. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement plan support, and access to asset management through third-party programs. The firm employs a hybrid referral and implementation model, utilizing a range of asset managers and advisory structures to tailor services to client goals and risk tolerances.

Alex Chisholm is a financial advisor with Equitable Advisors in Falls Church, VA, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Equitable Advisors since 2011, following a prior role at Axa Advisors LLC. In addition to his advisory work, he operates as a sales associate with Realty Benefit Services, offering group and individual benefits to real estate agents. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm provides financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Stephen Rosenzweig is a financial advisor with Equitable Advisors in Potomac, MD, holding Series 63 and Series 65 licenses and bringing 53 years of industry experience. He has worked at Equitable Advisors since 2005 and previously at AXA Advisors and IA Rosenzweig and Associates, Inc. He serves as an administrator or trustee for family trusts and holds power of attorney arrangements with his wife. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through multiple third-party managers and LPL programs. The firm operates a hybrid referral and implementation model and provides both advisory and brokerage/insurance channels to implement client recommendations.

Aaron Kniss is a financial advisor with Equitable Advisors in Pasadena, MD, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with Equitable Advisors since 2011, including time when the firm operated as Axa Advisors LLC. Outside of his advisory role, he works directly with Lincoln Financial Insurance offering group universal life and disability products. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Hongmei Deng is a financial advisor with Equitable Advisors in Falls Church, VA, holding a Series 66 designation and nine years of industry experience. Prior to joining Equitable Advisors in 2021, she worked at LPL Financial from 2017 to 2021. She is also the president and owner of HMD Wealth Management Inc. and serves as a trustee for a revocable trust. Equitable Advisors serves a broad range of clients, including individuals, high-net-worth clients, retirement plans, and institutions, providing financial planning, broker-dealer services, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, relying heavily on LPL-sponsored programs and third-party managers to deliver its advisory and brokerage solutions.

Douglas Menorca is a financial advisor with Equitable Advisors in Washington, DC, holding a Series 66 designation and 10 years of industry experience. Prior to joining Equitable Advisors in 2019, he worked at AXA Advisors and served six years in the U.S. House of Representatives. He is a committee member on the investment and finance committees at Capitol Hill Presbyterian Church and provides voluntary political consulting for a congressional campaign. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, providing advisory and brokerage services tailored through a client intake process that documents goals, risk tolerance, and time horizon.

Tareq Khattar is a financial advisor with Equitable Advisors in Falls Church, VA, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has been with Equitable Advisors since 2011, including time when the firm operated as Axa Advisors LLC. Outside of his advisory role, Khattar is involved in group benefits brokerage through Ascend Planning & Consulting and holds sales associate positions with Dergalis Associates LLC and Realty Benefit Services. Equitable Advisors serves a broad client base including individual investors, retirement plan sponsors, corporations, and charities, providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage services with a focus on individualized financial planning and fiduciary engagements.