Shovgi Novruz is an Investment Consultant currently working at Fidelity Investments, a position held since 2026. Prior to this role, he served as a Planning Consultant at the same company from 2025 to 2026. Shovgi has also worked as a Financial Solutions Advisor at Bank of America, Merrill Lynch between 2023 and 2025, and completed an Analyst Internship at Bank of America in 2021. In his role as an Investment Consultant, Shovgi focuses on understanding his clients' financial goals and collaborates with them to develop personalized financial plans. He works closely with clients to explore their options and provide guidance aligned with their objectives. Shovgi is committed to continuous learning, which supports his ability to offer market insights and build strong professional relationships.

Luis Alfonso is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and 14 years of industry experience. He has been with Morgan Stanley since 2013, including 11 years at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services that utilize firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides tailored financial plans directly to individuals and through corporate agreements.

Beth Linton is a financial advisor at LPL Financial with 16 years of industry experience. She holds a Series 66 designation and previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of her advisory role, she is a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.

Yisroel Miller is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Bank of America and Corporate Matters. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Rolando Guzman Jr. is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including customized financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Kevin Fishkind is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, Citigroup Global Markets from 2006 to 2009, and Legg Mason Wood Walker, Incorporated from 2004 to 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets, and employs a structured planning process supported by firm-approved tools and modeling techniques.

James Henson is a financial advisor with Morgan Stanley in Rockville, MD, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked with Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning supported by structured discovery processes and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Eiber Medina Gutierrez is a financial advisor with Merrill who holds a Series 66 designation and has six years of industry experience. He has worked at Bank of America and Merrill since 2018 and was previously employed by Capital One Bank. Outside of his advisory role, he owns a remodeling and subcontracting business in Montgomery Village, Maryland. 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, and institutions, supported by internal and third-party managers.

Griffin Johnson is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at State Farm and service in the US Army. 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 SMAs and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

James Cholet is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. His prior experience includes positions at Citigroup Global Markets and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Gregory Pang is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services, Capital One Investing, Capital One Advisors, Capital One Financial Advisors LLC, and Chevy Chase Financial Services. Outside of his role at OSAIC, he manages Capital Harvest Wealth Partners LLC and Pang Enterprises LLC, where he provides financial and investment advice. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and offers access to third-party money managers and alternative investments.

Jeffrey Kaufman is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Mercy Wambari is a financial advisor at Morgan Stanley with four years of industry experience. She holds Series 63 and Series 65 licenses and has prior experience at JPMorgan Chase Bank and Citibank N.A. Kenya. Outside of finance, she works as an independent personal trainer and nutrition coach. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning through a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a broad range of advisory programs and investment services.

Jeffrey White is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds a Series 66 designation and has worked at firms including Northwestern Mutual Wealth Management Company and Joseph Greenwald and Laake. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses across various planning topics, delivered as one-time or ongoing engagements, without discretionary trading authority or institutional portfolio management.

Douglas Ulrich is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He is based in Rockville, MD. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques within its advisory process.

Raymond Patsy is a CFP®-designated financial advisor with 42 years of industry experience, currently affiliated with LPL Financial since 2025. He previously worked at Grove Point Investments, LLC and Grove Point Advisors, LLC for four years and spent 22 years at H. Beck, Inc. He is also involved as a volunteer with the nonprofit D.A.R.&E. in Arlington, VA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Melinda Wise is a financial advisor at RBC Capital Markets with 11 years of industry experience. She holds the Series 66 designation and has worked at RBC Capital Markets since 2020, following a five-year tenure at Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies based on each client’s risk profile, utilizing both in-house and third-party investment managers.

John Murphy Jr. is a financial advisor at Stifel with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill and Bank of America. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing analysis and asset allocation guidance designed to support client decision-making.

Richard Vert Jr. is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 designation and having 26 years of industry experience. His career includes roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated prior to joining Morgan Stanley in 2009. He has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Kelly Kreis is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked at Thrivent Financial and Wells Fargo in various capacities since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without managing discretionary portfolios for institutional clients.