Lawrence Raigrodski is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked with Avantax firms for over two decades before joining Cetera in 2025. Outside of advisory work, he is a certified public accountant and operates a tax preparation and accounting practice. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and customized strategies.

So Myong Kim is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, HSBC Securities (USA) Inc., HSBC Bank USA, N.A., and MB Financial Bank, N.A. since 2015. 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.

John Oettinger is a CFP® with 28 years of industry experience, currently serving as a financial advisor at LPL Financial in Rockville, MD. He has previously worked at Stratos Wealth Partners, Uvest Financial Services Group, and Merrill. Oettinger is a 34% owner of Vintage Insurance Partners and is involved with an insurance agency called Medicare PhD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Herbert Ortega is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and research. The firm offers services both directly and through Corporate Financial Planning agreements with employers, managing approximately $2.74 trillion in client assets.

Patrick Haney is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 32 years of industry experience and has previously worked at MML Investors Services, Mass Mutual Life Insurance Company, Kestra Investment Services, Osaic FA, Inc., and The Advisors Group, Inc. Haney also operates The Haney Company, an insurance agency. 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 financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting a large network of advisors with both discretionary and non-discretionary investment strategies.

Michael Moriarty is a CFP® with over 32 years of industry experience, currently serving as a financial advisor at Fidelity. His career includes roles at Ameriprise, Bronfman E.L. Rothschild, Highline Wealth Management, and Morgan Stanley. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a systematic investment approach combining proprietary research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios and discretionary accounts.

Jonathan Abbett is a financial advisor with Cetera, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 38 years of industry experience and has held leadership roles at multiple firms including Financial Advantage Associates Inc., where he is president and CEO. Outside of his advisory work, he is a partner in a tax accounting firm and involved in fixed insurance sales. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various discretionary and non-discretionary program structures.

Evan Wilson is a Series 66-credentialed financial advisor with Morgan Stanley in Rockville, MD, where he has worked since 2016. He has 10 years of industry experience and is also involved in volunteer coaching with the First Tee of Greater DC, a charity focused on golf. Morgan Stanley Wealth Management serves both individual and institutional clients by providing tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets through a structured planning process and diverse investment offerings.

Benjamin Napierala is a financial advisor at Morgan Stanley with one year of industry experience. He previously worked at Charles Schwab & Co., Inc. and has a Series 66 designation. Outside of his advisory role, he also delivers food through a local service. Morgan Stanley Wealth Management serves individual and institutional clients by providing comprehensive financial planning and investment advisory services, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and models outcomes with research from its Global Investment Committee.

David Ziffer is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Scottrade, TD Ameritrade, and Charles Schwab in various roles since 1995. Outside of his advisory work, he owns a rental property in Sarasota, Florida. Charles Schwab 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 a combination of non-discretionary advisory relationships and discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

William Beasley is a financial advisor with Charles Schwab, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., Scottrade, and ViBe, LLC. Outside of the financial industry, he works as a sales associate at Lowe's Home Improvement. 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 a multi-asset model portfolio approach supported by comprehensive research and due diligence.

Peyton Randolph is a CFP® and Series 66-licensed financial advisor at Raymond James Financial with one year of industry experience. Prior to his current role, he has worked in a variety of positions including at Virginia Tech Dining Services and as an advisor for Financial 360, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through specialized affiliations and advisory programs.

Jennifer Meyer is a CFP® with 25 years of experience in the financial services industry. She is currently with Raymond James Financial Services Advisors Inc. and has previously worked at firms including USAA Financial Advisors and Equitable Advisors. Meyer is also involved as an associate with Lee Sipe and Associates and Serving Those Who Serve, supporting partners in those businesses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base ranging from individuals and high-net-worth clients to institutions and charitable organizations. The firm employs a tailored, non-discretionary planning approach that incorporates risk profiling and advanced modeling tools to assist clients in meeting their financial goals.

Timothy King is a Series 66-licensed financial advisor with LPL Financial in Rockville, MD, where he has worked since 2007. He has 19 years of industry experience. Outside of his advisory duties, he is also a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Sheldon Foreman is a Financial Advisor with Merrill Lynch Wealth Management. He works with established professionals and their families to develop personalized wealth management strategies. His approach begins by identifying clients' financial goals and then building plans aligned with their priorities, addressing areas such as employee benefits planning, executive and equity compensation, family wealth management, legacy planning, and retirement income. Sheldon holds a Bachelor's Degree in Economics from Swarthmore College. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Throughout his career, he has assisted clients in managing concentrated stock situations, formulating broad investment strategies, and planning across multiple generations. Originally from Austin, Texas, Sheldon currently resides just outside Washington D.C. His personal interests include basketball, cooking, reading, spending time with family, and traveling.

Scott Mcgraw is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services at Merrill Lynch in 1993. Scott is committed to providing attentive and personalized service, developing strong relationships with clients through regular communications. His work focuses on helping clients pursue their long-term financial goals. Scott assists clients in funding their retirement, supporting their children's education, and facilitating the preservation and transfer of wealth. He holds a Bachelor's degree in Finance from the University of Maryland and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Scott also holds the Personal Investment Advisor (PIA) designation. Scott and his wife, Jennifer, reside in Rockville, Maryland, where they raise their four children.

Steven Vozenilek is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Morgan Stanley, Citigroup Global Markets, and Legg Mason Wood Walker. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Nicholas Bohn is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2012. Outside of his advisory role, he is involved with the Estate of F P B, Jr. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Joshua Halpern is a CFP® credentialed financial advisor with 28 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2007. Halpern also serves as a FINRA arbitrator and works as a life, long-term care, and disability insurance agent. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using risk profiling and analytical modeling and supports municipal and public-finance work through a unique municipal advisor affiliation.

Frederick Thoms Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. His career includes prior roles at Grove Point Investments, Grove Point Advisors, H. Beck, and PRUCO Securities. He also operates a home-based property and casualty agency related to his investment work. 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 range of financial planning, portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.