Sandra Presgraves is a CERTIFIED FINANCIAL PLANNER™ professional with 34 years of industry experience. She is currently associated with Raymond James Financial Services Advisors, Inc. since 2023 and also works with LS Associates. Presgraves holds roles as a financial advisor and relationship manager at both organizations. She is involved with Serving Those Who Serve, a support company, where she serves as a financial advisor and relationship manager. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and nonprofit organizations. The firm provides tailored, non-discretionary planning and consulting using comprehensive analytical tools and supports institutional consulting and portfolio management through a large advisor network.

Trung Vu is a financial advisor with LPL Financial in Rockville, MD, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously spent 19 years at Ameriprise before joining LPL Financial in 2016. Outside of his advisory role, he is an author and involved with Vu Entertainment LLC, a home-based TV show and script business. 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 provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology tools but not relying on them for investment decisions.

Kevin Rowe is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 1995. Prior to joining Merrill Lynch, he spent two years at Morgan Stanley. Kevin focuses on providing clients with full transparency, clear communication, and education to build strong advisor-client relationships. He holds the Chartered Retirement Planning Counselor (CRPC™) designation from the College for Financial Planning Institutes Corp and a Bachelor’s degree in History from the University of Vermont. Kevin’s areas of expertise include college education planning, divorce transition planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Kevin grew up in Rockville, Maryland, where he currently lives with his wife, Joanie, and their four children. He is an avid Washington Commanders football and University of Maryland Terrapins basketball fan. Outside of his professional work, Kevin enjoys spending time with his family—especially at the beach—coaching youth sports, playing golf, and serving on the boards of his community, church, children's schools, and the Lilabean Foundation.

Jason Wright is a financial advisor at OSAIC with 17 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services, Capital One Investment Services, and Chevy Chase Financial Services. He is also a partner in an insurance-related LLC, Capital Harvest Wealth Partners. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services and employs various portfolio construction tools and third-party managed account platforms.

Jesse Rivas is a financial advisor with LPL Enterprise holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, National Life Group, and Hill International. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment approaches and offers access to third-party asset managers and insurance products through affiliated entities.

Blair Hill serves as the Resident Director and Wealth Management Advisor at Merrill. He joined Merrill in 2000 and advises affluent families and individuals, including professionals, business executives, and entrepreneurs, on a wide range of wealth management needs. His expertise includes retirement income planning, gifting and estate planning services, concentrated stock strategies, private business succession and transition planning, and personal investment strategy. As a qualified Portfolio Manager, Blair manages personalized and defined strategies which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, sometimes on a discretionary basis through the firm's Investment Advisory Program. Blair holds a Bachelor's Degree from the University of Maryland at College Park. He has earned professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside his professional work, Blair is actively involved in his community, participating in organizations such as the Clarksville Rotary Club, Howard County Fair Association, Maryland 4-H Foundation, and the Ulman Cancer Fund for Young Adults. He is married to his wife Megan for over 25 years, with whom he has two children. The family lives on a working farm where they raise beef cattle alongside crops including wheat, soybeans, corn, and hay. When not assisting clients, Blair spends time outdoors on the farm, watching his children play lacrosse, and pursuing personal interests such as adventure sports, biking, camping, gardening, hiking, running, skiing, and surfing.

Ronald Fuchsman is a financial advisor at Raymond James & Associates with 27 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Wells Fargo Clearing for 10 years. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, advisory programs, and specialized municipal advisory services.

Christopher Smith is a Financial Consultant currently working with clients to develop, implement, and manage customized financial plans. He focuses on simplifying and personalizing the investing process to align investments with clients' future goals for themselves and their families. He has been a Financial Consultant at Fidelity Investments since 2022. Prior to this role, he served as Regional Vice President at ProFunds Distributors, Inc. from 2018 to 2022, Regional Sales Specialist at Pioneer Investment Management, Inc. from 2016 to 2018, and Registered Representative at Pruco Securities, LLC from 2015 to 2016. Outside of his professional work, Christopher enjoys playing golf.

Benjamin Maynard is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. He previously worked at JVJ Solutions and has an educational background including time at Boston College and Wilmington High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a variety of clients, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction methods. The firm serves as an advisor to multiple registered investment companies and employs formal governance and proxy-voting procedures.

Daniel Mc Geever is a financial advisor with Ameriprise in Gaithersburg, MD, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in owning and managing a commercial real estate LLC. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets, providing comprehensive written recommendations that incorporate income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and algorithmic tools to deliver tailored, non-discretionary retirement advice, primarily focused on assets managed within Ameriprise.

Carlos Romero is a financial advisor with LPL Financial in Rockville, MD, holding a Series 66 designation and 22 years of industry experience. His career includes prior roles at PNC Wealth Management, Uvest Financial Services Group, Truist Investment Services, and Equitable Advisors. Outside of his advisory work, Romero is involved in residential real estate services and tax preparation. 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 wide range of advisory and brokerage services through an extensive network of investment adviser representatives, utilizing various models and tools across discretionary and non-discretionary strategies.

Andrew Alvey is a financial advisor at RBC Capital Markets with three years of industry experience. He holds a Series 66 designation and has worked in both financial services and other sectors, including automotive retail and healthcare. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base ranging from individual investors to institutional and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies, incorporating both in-house and third-party managers to meet client-specific risk profiles.

Olivia Carson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America, Merrill Lynch Wealth Management, and NewDay USA, among other roles. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Anita Acevedo is a financial advisor with Primerica Advisors in Gaithersburg, MD, holding Series 63 and Series 65 licenses and 12 years of industry experience. She has been with Primerica Advisors since 2013 and has worked with Primerica Financial Services since 1998. Outside of advisory activities, she is involved in sales of home security and automation products as well as loan products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed account options. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

William Mason IV is a financial advisor at Edward Jones with 39 years of industry experience. He has held his position at Edward D. Jones & Co., L.P. since 1986. 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 and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Micheal Lipshultz is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs structured discovery conversations and proprietary planning tools to develop financial plans, managing approximately $2.74 trillion in client assets.

Michelle Balfe is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 credentials and with 24 years of industry experience. She has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities Inc. from 2015 to 2017. Outside of her advisory role, Balfe serves as a board member of the Bowie, MD Green Team Executive Committee and is an independent insurance agent for group disability and group dental coverage. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, educational seminars, and specialized services such as divorce planning and estate-settlement programs.

Ruben Banerjee is a CFP®-designated financial advisor with Raymond James Financial, based in Rockville, MD, and has three years of industry experience. His work history includes roles at Raymond James Financial Services and Financial 360, LLC, where he also serves as an associate and registered representative. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Daniel Searles is a CFP® and Series 66-registered advisor with LPL Financial, based in Gaithersburg, MD, and has four years of industry experience. Prior to joining LPL Financial, he worked with Grove Point Advisors LLC and Grove Point Investments LLC. 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 broad range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Michael Ritterpusch is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. His prior roles include various positions at Fidelity Investments and involvement with organizations such as the Fourth Presbyterian Church of Washington, DC. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios across mutual funds, ETFs, and ETPs.