Derek Smith is a CFP® professional with 16 years of experience in the financial services industry. He has been with Truist Advisory Services and its affiliated entities since 2012, including a decade at SunTrust Advisory Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm utilizes a combination of discretionary and non-discretionary strategies, supported by third-party platforms and AI-enhanced research tools, and emphasizes integration with affiliated broker-dealer and banking services.

Patrick Bransford is a CFP® with 27 years of experience in the financial services industry. He is currently with Oppenheimer and has previously worked at Wells Fargo Clearing Services, Bank of America, and Merrill. Oppenheimer serves a diverse client base including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory and brokerage services, utilizing strategic and tactical asset allocation along with various investment vehicles tailored to client objectives.

Sean Wilson is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials and has worked at TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm serves clients often connected through employer retirement plans and offers a range of portfolio management options, including customized portfolios and model-based strategies.

Jill Beaudry is a financial advisor at CWM, LLC with seven years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Cetera Wealth Services, Family Wealth Guidance, and Raymond James Financial Services. Outside of advising, she serves as a notary public, notarizing documents. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, corporations, and institutions through a network of over 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services, typically managing accounts on a discretionary basis using model portfolios overseen by an internal Investment Committee.

Alexander Hellewell is a financial advisor at Truist Advisory Services with four years of industry experience. He holds a Series 66 designation and previously worked at Citi Private Bank for four years. His career also includes time at Bankers Life and the University of Tampa. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, participant advice, and a manager-selection program that relies on both discretionary and non-discretionary approaches supported by third-party platforms and AI-enabled research tools.

Howard Kluttz is a financial advisor with Oppenheimer in Vienna, VA, holding Series 63 and Series 65 licenses and with 46 years of industry experience. He has been with Fahnestock & Co. Inc. since 2003. Oppenheimer serves a wide range of clients including individuals, corporations, pension and profit-sharing plans, and charitable organizations. The firm provides advisory and brokerage services encompassing investment management, consulting, retirement services, and private-fund management, employing strategic and tactical asset allocation alongside various investment strategies.

Seifeldin Moussa is a financial advisor with Citigroup Global Markets, holding Series 63 and Series 65 designations and having two years of industry experience. He has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and swap dealing, and provides a broad range of advisory and execution services.

Sandra Martin is a financial advisor at Citigroup Global Markets with 18 years of industry experience. She holds Series 63 and Series 66 credentials and previously worked at Wells Fargo Clearing Services LLC, Wells Fargo Bank, and Morgan Stanley. Outside of her advisory role, she coaches athletes at Nevermore Crossfit in Baltimore. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment programs with both discretionary and non-discretionary options. The firm combines large institutional scale with unique market roles, including in-house research and security pricing, and provides specialized lending and bespoke discretionary solutions for large relationships.

Jesus Vega Rojas is a financial advisor with PNC Wealth Management in Washington, DC, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at CUNA Mutual Group, Bank of America, Merrill Lynch, Citigroup, and AXA Advisors. He serves as a board member of the Garden Ridge Condo Association. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary account pilot for employees that uses algorithmic risk assessment and invests in approved mutual funds and ETFs.

Kevin Williams is a CFP® professional with 28 years of industry experience, currently serving at Independent Financial Group, LLC since 2022. His prior experience includes roles at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He is also involved in tax preparation and accounting through his ownership of K.Q. Williams & Associates, PC, and serves as a church deacon, assisting with church services and financial committee meetings. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser offering brokerage, portfolio management, financial planning, and retirement plan services to a broad client base including individuals, charities, and corporations. The firm utilizes multiple advisory platforms and programs, combining discretionary and non-discretionary management with access to third-party managers and model portfolios.

Kathleen Nolan is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Her previous roles include positions at LPL Financial and Planning Solutions Group, LLC. She is based in Fulton, MD. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm’s investment approach combines strategic allocation across risk classes with both passive and active management, supported by an internal Investment Committee and quantitative and fundamental research.

Jayne Ly is a financial advisor with Principal Financial Services and holds a Series 66 designation. She has 21 years of industry experience, including roles at Grove Point Investments, LLC, and Bankers Life Advisory Services, Inc. She is based in Silver Spring, MD. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Ivan Brown Jr. is a financial advisor at First Command Advisory Services with four years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several related First Command entities since 2022, as well as prior roles with Blue Sky Capital Management and Alaris Financial. Outside of his advisory work, he is the owner of Blackwing Financial Holding Corporation, an S corporation involved in managing employment-related expenses for his First Command business. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, delivering investment management through a centralized team that selects and monitors approved third-party managers and model portfolios.

Bradley Pottorf is a financial advisor at Oppenheimer with eight years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Advisors, LLC and Capital One. Oppenheimer serves individuals, corporations, pooled vehicles, and retirement plans, offering a variety of advisory programs including portfolio management, consulting, and financial planning. The firm employs multiple investment approaches across equity, balanced, and fixed income strategies and manages approximately $36.7 billion in assets.

Lloyd Prudent is a financial advisor at First Command Advisory Services with 21 years of industry experience. He holds Series 63 and Series 65 designations and has worked with First Command-affiliated firms since 2005. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to manage model portfolios and select third-party managers from approved lists.

Robert Smith II is a financial advisor with PNC Wealth Management in Severna Park, MD. He holds the Series 66 designation and has been with PNC Bank since 2014, transitioning to PNC Wealth Management in 2026. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering for employees that uses algorithm-driven portfolio recommendations and discretionary management of mutual funds and ETFs.

Kristina Saunders is a CFP® and holds a Series 65 license with 13 years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Sterling Capital Management LLC, and Farr Miller & Washington, LLC. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term investment approach that emphasizes tax- and fee-sensitivity and offers a range of strategies combining active and passive management within an enhanced open architecture framework.

Charles Held II is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. since 2011. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and utilizes third-party platforms and AI-enabled research tools to support manager selection and oversight.

Mark Donaldson is a financial advisor at AE Wealth Management, LLC with four years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Wadsworth Wealth Advisor and Madison Avenue Securities. Donaldson is also involved in insurance sales through Wadsworth Financial Consulting, LLC. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm utilizes discretionary model portfolios and a range of investment strategies, managing approximately $49.8 billion across over 127,000 clients.

Stephen Perreault is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC since 2014. He holds the Series 66 designation and operates out of Crofton, MD. Outside of his advisory role, he is a 50% owner of a rental property in Baltimore, MD. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to a diverse client base, including individuals, charities, corporations, and plan sponsors. The firm offers advisory programs through its AccessPoint platform and third-party asset managers, with accounts managed on discretionary or non-discretionary bases.