Zion Chaflawee is a CFP® and ChFC® with seven years of industry experience. He is currently affiliated with Cetera and has held prior roles at LPL Enterprise, The Prudential Insurance Company of America, NY Life, and Eagle Strategies. Outside of his advisory work, he assists applicants with health and group insurance through separate insurance-related activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement various portfolio strategies, combining discretionary and non-discretionary management across multiple program structures.

Brian Eliff is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm and established the Ewers | Griggs | Eliff Group in 2015. Brian's primary role within the group involves identifying and establishing new client relationships that align with both client needs and Merrill Lynch's financial solutions. He is a CERTIFIED FINANCIAL PLANNER® certificant, having earned the certification in 2020. Brian focuses on a wealth management process that integrates financial planning, investment management, banking, lending, and estate planning, with an emphasis on prioritizing client goals and implementing tailored strategies. Brian holds a Bachelor's degree from Gettysburg College and is affiliated with the Gettysburg College Alumni and Alpha Tau Omega Fraternity. He is originally from Wyomissing, Pennsylvania, and currently resides in Kensington, Maryland, with his wife Reed and son Brooks.

Nicholas Over III is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 66 designation and has previous experience with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is active in the soccer community as a certified referee and player for a semi-professional indoor soccer team, and he serves on the board of a nonprofit organization. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and financial planning services.

Samuel Kerr is a Planning Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Relationship Manager at Fidelity Investments from 2023 to 2024 and as a Financial Representative from 2022 to 2023. His professional journey in financial planning is a second career, following his experience as an elementary and special education teacher. Samuel applies lessons learned from teaching—valuing relationships and simplifying complex concepts—to his work in financial planning. He focuses on understanding clients' goals and collaboratively developing plans to protect, manage, and grow their wealth.

Beau Hall is a financial advisor with Charles Schwab in Potomac, MD, holding a Series 66 designation and eight years of industry experience. His prior work includes five years with Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by due diligence from its research division.

Ronald Seegers is a financial advisor at Fidelity with 26 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior roles include positions at Eagle Strategies and New York Life Investment Management. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary research and quantitative analysis. The firm is registered with the CFTC as a commodity pool operator and serves as an advisor to multiple registered investment companies.

Rolf Winch is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 40 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, The Compensation Design Companies, and H. Beck, Inc. Outside of his advisory duties, he has a longstanding involvement with Lifetime Financial Partners, engaged in related financial and insurance activities. 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, utilizing both proprietary and third-party strategies, supported by advanced research and operational tools.

Ben Knighton is a Financial Consultant currently working at Fidelity Investments since 2022. In his role, he focuses on understanding clients' individual circumstances and assisting them in creating financial plans aligned with their personal goals. Prior to his current position, Ben served as a Senior Registered Wealth Management Client Associate at Merrill Lynch from 2014 to 2022. Over his career, he has developed experience in wealth management and financial consulting. Ben's approach emphasizes meeting clients with care and thoughtfulness, aiming to support them effectively through their financial planning process.

Michael Klitsch is a CFP® professional with 25 years of experience, currently serving at Morgan Stanley in Rockville, MD. He has worked with Morgan Stanley since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is the chairman of the National Capital Optimist Club and serves as a finance committee officer for Fourth Presbyterian Church in Bethesda, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

Tricia Tripp is a CFP® with 32 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. She has worked with Raymond James since 1994 and previously operated her own firm, Tripp Financial Consultants, Inc. In addition to her advisory work, Ms. Tripp owns and manages Fox Hollow Farm LLC, where she employs staff to care for animals and property. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Consulting.

Seth Meyers is a financial advisor at LPL Financial with 19 years of industry experience and a Series 66 credential. He has worked at multiple firms, including Grove Point Advisors and GEM Financial Services, and is also the owner of Tower Oaks Testing LLC. In addition to his advisory work, he is employed by United Airlines. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Sean Thompson is a financial advisor at Osaic with Series 63 and Series 65 designations and four years of industry experience. His prior work includes roles at Investcorp Retirement Specialists and SagePoint Financial, Inc. He is also listed as Assistant Vice President of InvestOne Wealth Management Inc., a DBA with no investment-related activities. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a broad network of advisers and advisory platforms. The firm provides a range of integrated brokerage and advisory services, employing tools such as asset-allocation models, risk-tolerance assessments, and automated rebalancing to construct portfolios that may include various asset classes managed on discretionary or non-discretionary bases.

Steven Heger is a financial advisor with LPL Financial in Rockville, MD, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Mass Mutual Investors Services and Global Retirement Partners, LLC, where he continues to provide investment advisory services. Outside of his advisory work, he is involved with A Pineapple Life, a business entity maintained for tax and investment purposes unrelated to his financial advisory duties. LPL Financial is a nationwide broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions through a large network of advisors, utilizing various investment strategies and operational technologies.

Nathaniel High is a financial advisor at LPL Enterprise with nine years of industry experience. He holds a Series 66 designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. He serves as a board member for the South Carroll Business Association, a nonprofit organization focused on community networking. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in Model Wealth Portfolios wrap programs.

Andrew Guarente is a financial advisor with Raymond James & Associates in Rockville, MD, holding Series 63 and Series 66 designations and bringing seven years of industry experience. He previously worked at J.P. Morgan Securities and J.P. Morgan Chase & Co. from 2013 to 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets and serving a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm provides non-discretionary financial planning and consulting services, drawing on a wide range of portfolio management styles and affiliated research.

Kathleen Kennedy is a financial advisor with LPL Financial in Rockville, MD, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at Grove Point Advisors, LLC, AMERIPRISE FINANCIAL SERVICES, Inc., and Discover Financial Services. Kennedy is also involved with Corporate Benefit Services, Inc. outside of her primary advisory role. 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 portfolio programs, and institutional platforms.

Richard Pollick is a financial advisor with Charles Schwab holding a Series 66 credential and approximately one year of experience in the industry. His prior experience includes roles at New York Life Insurance Company, NYLIFE Securities LLC, and Oppenheimer and Co Inc., as well as several periods dedicated to full-time education. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment offering process.

Bruce Pearlman is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 24 years of industry experience. He previously worked at Avantax Insurance Agency and Avantax Advisory Services for over two decades. He is an emeritus member of the National Capital Chapter board of the MS Society. Cetera Investment Advisers LLC serves individual clients, retirement plans, corporate, charitable, and institutional accounts through a large network of independent advisors, offering portfolio management, financial planning, and access to multiple investment strategies and third-party managers.

Rajat Rajan is a CFP® professional with 38 years of experience in the financial services industry. He is currently with LPL Financial and has held previous roles at Wells Fargo Clearing, PNC Wealth Management, Banc of America Investment Services, Quick & Reilly, and UBS Financial Services. 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 and access to third-party asset management, supported by a large network of investment adviser representatives.

Eduardo Correa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and having nine years of industry experience. He has worked at Wells Fargo Bank, Bank of America, Merrill, and Morgan Stanley over the course of his career. He is based in Gaithersburg, MD. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering a range of brokerage and advisory solutions.