Sarah Orlando is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following a tenure at WELLS FARGO Advisors, LLC. Previously, she was employed at Adam's Inn from 2017 to 2018. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Patricia Penn is a CFP® with 32 years of experience, currently serving as a financial advisor at Morgan Stanley in Alexandria, VA. She has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and models but places implementation responsibility with clients, generally acting in an advisory capacity rather than as an ERISA fiduciary unless otherwise engaged.

Deepa Massand is a financial advisor with Merrill, holding a Series 66 designation and bringing 16 years of industry experience. She has been with Merrill since 2004 and is currently associated with Bank of America, N.A. Prior to her current role, she worked at Merrill for over two decades. Outside of her advisory duties, she is a member of two LLCs unrelated to investment management. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Liam McCracken is a Financial Consultant at Fidelity Investments, a role he has held since 2025. He began his career at Fidelity as a Relationship Manager in 2023 before transitioning to an Investment Consultant position in 2024. In his current role, Liam partners with clients through the financial planning process to develop plans that are appropriate and understandable, focusing on goals such as retirement and other financial objectives. His approach emphasizes collaboration throughout each phase of the client's financial journey. Outside of his professional work, Liam has personal interests that include cars, cooking and baking, football, social events with friends, golf, and music.

Sam Kast is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His background includes a variety of roles outside finance, including positions related to Clemson University and work in the food service industry. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ernesto Espejo is a financial advisor with Edward Jones in White Plains, MD, holding Series 63 and Series 66 credentials and over 21 years of industry experience. He has been with Edward Jones since 2004. Espejo serves as a board member for Spring Dell Center, Inc., a nonprofit organization in La Plata, MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment strategies, including discretionary and non-discretionary wrap fee programs and separately managed accounts. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

Michael DiLeonardo is a Financial Consultant at Fidelity Investments, a position he has held since 2023. Prior to this role, he served as a Planning Consultant at Fidelity Investments from 2021 to 2023. His career in financial services also includes experience as an Investment Consultant at TD Ameritrade from 2020 to 2021 and as a Business Development Specialist at TD Ameritrade in 2019. Michael focuses on financial planning that emphasizes the impact of today's choices on future outcomes. He values building strong partnerships and understanding clients' priorities to develop effective financial plans. Outside of his professional work, Michael has interests in football, motorcycles, and movies.

Marie Meuschke is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2014. Holding the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations, she provides comprehensive financial advice focused on personal retirement planning, portfolio management, tax minimization, retirement income, and addressing the financial needs of women and wealth. Marie advises families and individuals in the DMV area and beyond, applying a client-centered approach that prioritizes their interests and goals. She builds personalized financial strategies to help clients navigate changing market conditions and achieve their objectives. Originally from New York, Marie earned a Bachelor's Degree in Business Economics from Loyola University of Maryland. Beyond her professional work, Marie participates in community volunteering in line with the Merrill tradition. She lives in Baltimore with her fiancé and their dog, and her personal interests include cooking, football, golfing, knitting, crocheting, reading, and spending time with her family.

George Balboa is a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads the financial services for the Balboa & Blevins Group, providing wealth management and strategic planning services. George focuses on key areas including asset allocation, retirement, estate, and succession planning. With more than 34 years of experience in financial and wealth management guidance, George joined Merrill in 1991 after earning his bachelor’s degree from Boston College. He holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). George is bilingual in English and Spanish. George has been named to Forbes' "Best-in-State Wealth Advisors" list consecutively from 2019 through 2025. His extensive experience and credentials support his commitment to designing tailored financial strategies for clients.

Latrina Green is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes and advanced modeling tools to support its financial plans.

Charmaine Cheng is a financial advisor at Merrill with six years of industry experience. She holds Series 63 and Series 66 registrations and previously worked at Bank of America, JPMorgan Securities, Wells Fargo, and HSBC. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kelsey Henneman is a Financial Consultant at Fidelity Investments, a position held since 2026. She is involved in creating personalized financial plans that align with the unique goals of individuals and families, utilizing Fidelity's strategic portfolios and innovative approaches. Prior to her current role, she served as an Investment Consultant at Fidelity Investments from 2025 to 2026. Her professional experience includes roles such as Senior Private Wealth Associate at Bernstein Private Wealth Management from 2022 to 2025, and Senior Investment Operations Associate at Cambridge Associates LLC from 2020 to 2022. These roles have contributed to her expertise in financial consulting and wealth management.

Michael Berens is a financial advisor with RBC Capital Markets in Washington, DC, holding Series 66 and Series 63 designations and bringing 37 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio strategies that utilize both in-house and third-party investment managers, alongside features such as tax management and responsible investing options.

John Rutherford is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has worked at Wells Fargo Clearing since 2021 and has been with Wells Fargo Bank, NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of financial product options that include insurance-related vehicles and bank deposit sweep programs.

Paula Heichel is a CFP® with 44 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she has sole ownership of a rental property business in Washington, DC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products than typical large institutional advisers.

Talya Bock is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in aligning clients' financial lives with their values and long-term objectives. Her areas of expertise include family wealth management, legacy planning, socially responsible investing, philanthropic planning, special needs planning, and retirement income planning. Talya works with clients across various life stages, offering personalized strategies that reflect their unique goals and priorities. Previously, Talya held positions in private wealth management at Morgan Stanley Smith Barney and investment banking at BMO Capital Markets. She holds the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Special Needs Consultant®, Chartered Retirement Planning Counselor™, and other professional designations that demonstrate her comprehensive knowledge in wealth management. She earned bachelor's degrees in Economic History and Talmud (Jewish Law) Magna Cum Laude from Barnard College and the Jewish Theological Seminary, along with a Master's degree in education from the Jewish Theological Seminary. Outside of her professional duties, Talya is an active community volunteer and serves as a trustee for the Jewish Theological Seminary and Hadar Institute. She resides in Mount Pleasant with her husband and three children and engages in activities such as camping, cooking, hiking, running marathons, scuba diving, and yoga.

Bertrand Ong is a financial advisor with Wells Fargo Clearing in Ashburn, VA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Jacob Wood is a Series 66 licensed financial advisor with Edward Jones in Washington, DC, where he has worked since 2021. He has four years of industry experience, including prior roles at Splashtacular LLC and Water Technology Inc. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Erin Turner is a financial advisor at Morgan Stanley in Washington, DC, holding a Series 66 designation with 17 years of industry experience. She worked at Goldman, Sachs & Co. for 10 years before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Cecilia Zurita is a financial advisor at Merrill with 17 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2006. Outside of her advisory role, she is involved in several business activities including managing a publishing company and serving as a managing member in multiple real estate-related LLCs. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.