Suzanne Spano is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she serves as a trustee for an investment-related trust in Vienna, Virginia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its services.

Cristina Gabalda is a financial advisor at Ameriprise with 27 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley for seven years before joining Ameriprise in 2022. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement-income planning and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Gary Carson Jr. is a financial advisor with RBC Capital Markets in Chevy Chase, MD, holding a Series 66 designation and having eight years of industry experience. He has been with RBC Capital Markets since 2017 and previously worked at Capital One. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, employing tailored strategies via a mix of in-house and third-party investment managers.

Richard Jones II is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2018 and 2019, respectively. His background also includes time with Virginia Commonwealth University and a brief role at Fat Dragon Kitchen and Bar. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by its Schwab Center for Financial Research.

Joy Stephens is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. Her prior roles include positions at J.P. Morgan Securities, Charles Schwab Bank, Charles Schwab, and National Philanthropic Trust. Outside of her advisory work, she is involved in e-commerce ventures and co-owns a real estate investment business with her spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Deborah Harris is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 63 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Jennifer Harmon Von Bredow is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and has 12 years of industry experience. Her prior firms include Voya Financial Advisors and American Capital Investments Group, Inc. She is also a licensed notary public. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a multi-manager platform that offers various portfolio management and financial planning services.

Bryan Condra is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at Morgan Stanley and E*TRADE, including roles at Morgan Stanley Private Bank. Outside of his advisory work, he serves as an officer for BDC Capital, where he assists with real estate investment research and property operations. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools, with an emphasis on advisory services rather than specific security recommendations.

James Johnston is a financial advisor with Merrill based in Washington, DC. He holds a Series 66 designation and has two years of industry experience. His prior work includes positions at University at Boulder, Space4Good, and Eldora Ski & Ride School. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Brudniak is a financial advisor at RBC Capital Markets in Washington, DC, with 41 years of industry experience. He has been with RBC Capital Markets since 2009 and previously worked at City National Bank from 2019 to 2025. Outside of his advisory role, he was a passive owner of an antiques business that sold to private collectors and museums. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Mark Cunniff is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Bank of America, Merrill Lynch, and Kenwood Country Club. He has also been involved with Wake Forest University and worked with CaddieMaster. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a variety of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Helen Mc Call is a financial advisor at Charles Schwab in Reston, VA, holding Series 63 and Series 66 licenses with three years of industry experience. Her prior experience includes roles at Fidelity Investments and Meriwether Godsey, as well as work in education and alumnae relations at Sweet Briar College. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary portfolio management, combining strategic asset allocation with access to alternative investments and centralized operational support.

Robert Howe is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he develops customized investment plans for both corporate retirement plan clients and individual private wealth management clients. Before joining Merrill Lynch in 2016, he served as a Vice President at the Money Management Institute, a nationally recognized trade association focused on investment solutions. Robert works closely with business owners, plan sponsors, and participants to prepare for retirement, assisting with 401k plan improvements, employee education, fiduciary duties, and executive compensation and Non-Qualified retirement programs. Robert holds a Bachelor's Degree from the University of Maryland and an MBA from George Mason University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a graduate of Phillips Andover and also attended Clarkson University. Outside of his professional work, Robert enjoys adventure sports such as biking, boating, camping, ice hockey, scuba diving, and skiing. He spends time with his family and pursues reading and watching movies. Robert participates in community organizations including DC Lucky Dog and is involved with the Phillips Andover Alumni Association. His approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at pursuing long-term goals.

Kent Overholt is a Private Wealth Advisor at Merrill Private Wealth Management. He has been with Merrill since 1987 and specializes in working with ultra-high-net-worth families navigating complex investment decisions and financial transitions. Kent collaborates with clients and colleagues to develop customized financial strategies that address liquidity events, wealth management, family wishes, and philanthropy. Kent's expertise includes intergenerational wealth planning, business succession, asset preservation, portfolio management, and credit and lending solutions. He assists families through the Merrill Private Wealth Center for Family Wealth, focusing on family wealth education and governance. Kent also manages portfolio reviews, implements investment recommendations, and facilitates access to Bank of America credit services to support clients' diverse financial needs. He holds a Bachelor's degree in Advertising and Public Relations from Bloomsburg University of Pennsylvania and holds professional designations including Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Kent splits his time between McLean, Virginia, and Easton, Maryland, and enjoys antiquing, baseball, boating, cooking, golfing, pickleball, reading, spending time with family, traveling, and watching movies.

Sam Ramadan is a financial advisor with Merrill holding Series 65 and Series 63 licenses. He has been with Merrill since 2026 and has prior experience in various roles including positions in legal offices, restaurants, and consulting. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal teams and third-party managers.

Adam Nowak is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2021. Prior to his advisory role, he attended the University of Wisconsin-Madison and worked at Westborough High School. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm follows an IPS-driven process grounded in modern portfolio theory and acts as an ERISA fiduciary when providing investment advice.

Yemewedish Girma is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2018, following a decade at UBS Financial Services Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Stephen Stavrou is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 66 designation and has worked at firms including Northwestern Mutual, JP Morgan Chase, and Bank of America. Outside of his advisory roles, he operated a dog walking business from 2022 to 2023. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using firm-approved software tools and offers a range of programs including estate settlement and employer-sponsored planning.

Peter Ambrose is a financial advisor with Merrill in Vienna, VA, holding Series 63 and Series 65 securities licenses and bringing 39 years of industry experience. He has been with Merrill since 2004. Outside of his advisory role, he serves as a FINRA arbitrator, dedicating time monthly to industry dispute resolution. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutional investors.

Jonathan Sade is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients and their families to understand their financial situations and priorities, developing customized strategies to address their investing and fiduciary responsibilities. Jonathan focuses on both institutional and individual wealth management needs. Jonathan holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a high school diploma from St Albans School and a bachelor's degree from Princeton University. Jonathan has been recognized in Forbes "Best-in-State Wealth Advisors" consecutively from 2019 through 2024.