Kyle Toulouse is a Financial Consultant currently working at Fidelity Investments since 2022. In this role, he focuses on building, implementing, and monitoring comprehensive wealth planning strategies tailored to clients' lifestyle and financial goals. Prior to his current position, Kyle gained experience as a Regional Advisor Consultant at Columbia Threadneedle Investments from 2016 to 2022. He also worked as a Regional Marketing Associate at Putnam Investments from 2014 to 2016. These roles have contributed to his expertise in financial consulting and investment management.

Janet Haley is a CFP® professional with 30 years of industry experience, currently serving as a financial advisor at Charles Schwab. Her prior experience includes roles at USAA Investment Management Company and USAA Financial Planning Services. Outside of advising, she co-authored the book *Value Investing for Dummies* in 2002 and manages short-term rental properties. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment services alongside brokerage and custody functions. The firm is notable for its scale, integrated structure, and use of multi-asset model portfolios supported by its Schwab Center for Financial Research.

Kaitlyn Kozik is a financial advisor at LPL Financial with 11 years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley for eight years before joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Ryan Dillard is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. Prior to joining Edward Jones, he worked for Science Applications International Corporation from 2004 to 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, under a fiduciary standard.

Ben Baldwin is a Financial Consultant currently working at Fidelity Investments since 2022. His professional focus is on understanding clients' financial priorities through an established process, developing tailored strategies to achieve their goals, and supervising and maintaining these plans to adapt to life and market changes. He has experience as a Financial Advisor at several firms, including Ameriprise Financial (2021-2022), Merrill Lynch (2020-2021), and Edward Jones (2016-2020). This background reflects a continuous career in financial advisory roles over multiple years.

Kieran Watson is a CFP®-certified financial advisor with 25 years of industry experience. He is currently with Morgan Stanley, where he has worked since 2022, following previous roles at Bank of America and Merrill Lynch. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Robert Mccabe is a financial advisor with Cetera, holding Series 63 and Series 65 registrations and bringing 44 years of industry experience. He has been associated with Cetera Advisors LLC since 2013 and operates McCabe Investment Advisory, a fixed insurance and financial services business. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with a range of program options.

Carl Trevisan is a CFP® professional with 44 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for one year. 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 solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Amante Decastro is a Series 66-licensed financial advisor with Ameriprise in Woodbridge, VA, and has 22 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

John Faith Jr. is a financial advisor with Raymond James Financial who holds the Series 63, 65, and 66 designations and has 28 years of industry experience. His career includes roles at Atlantic Union Bank, Union Bank & Trust, and Union Investment Services. He also serves as a trustee for the Faith Family Trust. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm employs non-discretionary planning and consulting tailored to client goals and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Jessica Collazo is a financial advisor at Fidelity with nine years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Morgan Stanley, Raymond James Financial Services, Sullivan & Associates, and T. Rowe Price. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including multi-manager and fund-of-funds structures.

Stefan Maric is a Planning Consultant at Fidelity Investments, where he provides guidance on investment strategies, retirement planning, and wealth planning. He works closely with clients to support them in making informed financial decisions aligned with their unique goals. Stefan has held various roles at Fidelity Investments, progressing from Financial Representative in 2024 to Relationship Manager in 2025, before becoming a Planning Consultant in 2026. This experience has given him insight into different facets of financial advising and client relationship management. Outside of his professional responsibilities, Stefan has interests that include cars, football, social events, golf, movies, and traveling.

Erik Steudle is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 17 years of industry experience. He has worked at firms including Ameriprise Financial Services, Merrill, Truist Investment Services, and Wells Fargo Clearing. Since 2020, he has also operated Good Life Advisors, LLC, an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios, research, and various management approaches.

Tristan Caudron is a CFP® professional at Wells Fargo Advisors with 30 years of industry experience. He has worked with Wells Fargo Advisors and its affiliates since 2009. Caudron holds ownership interests in Riverfront Wealth TC LLC and Riverfront Wealth Advisors LLC, both investment-related businesses based in Virginia. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, leveraging Wells Fargo research and planning tools to provide tailored recommendations.

Mila Lynne Floro is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2014. In addition to her role at Edward Jones, she has been involved with MaestraA2Z Consultants since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies and operates under a fiduciary standard.

Bennett Whitlock III is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He has been with Ameriprise Financial Service, LLC since 1993 and worked with Ameriprise Financial Services, Inc. for 15 years. Outside of advising, Whitlock holds ownership interests in a co-working space and a commercial real estate partnership, and serves on the boards of the Manassas Ballet Theatre and the Prince William County Chamber of Commerce. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create tailored income strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Randy Lakes is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Grove Point Advisors, LLC and RLMM Enterprises, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by research and model portfolios.

Ashley Dunnington is a financial advisor at Fidelity with three years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America Merrill Lynch and the Securities and Exchange Commission. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary management, fund advisory, and model portfolio delivery, with notable involvement in regulated commodity pool operations and advisory roles for multiple registered investment companies.

Michael Calandruccio is a financial advisor with LPL Financial in Suitland, MD, holding Series 63 and Series 65 licenses and having 26 years of industry experience. His career includes positions at CUNA Mutual Group and CUNA Brokerage Services since 2017 and a prior role at Kestra Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and technology solutions.

Andres Vitalis is a financial advisor with Charles Schwab in Alexandria, VA, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at TD Ameritrade, AMA LLC, and Wells Fargo in various capacities. Outside of advising, he is involved with Vitalis Ventures LLC, managing a non-investment real estate rental property through an LLC. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of brokerage, advisory, custody, and financial planning services. The firm’s approach integrates non-discretionary advice with access to discretionary managed accounts and alternative investments through centralized operational and supervisory structures.