Daniel Searles is a CFP®-certified financial advisor with four years of industry experience, currently with LPL Financial. Prior to joining LPL Financial in 2025, he worked with Grove Point Advisors LLC and Grove Point Investments LLC. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Michael Ritterpusch is a financial advisor at Fidelity with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Fourth Presbyterian Church of Washington, DC, and the US House of Representatives. 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 employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including model portfolios delivered to intermediary platforms.

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.

Steven Hersh is a financial advisor with Ameriprise in Potomac, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its predecessor entity since 2005. Outside of his advisory role, he owns and manages a business entity related to his Ameriprise practice. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated entities and uses algorithmic tools alongside human oversight to generate tailored retirement income strategies.

Andrew Gibson is a financial advisor with Ameriprise in Washington, DC, holding Series 63 and Series 65 credentials and 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

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, holding a Series 66 designation and eight years of industry experience. He has worked at Charles Schwab Bank, Charles Schwab, Bank of America, and Merrill. 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 offers a combination of non-discretionary and discretionary investment management through multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Ali Mozaffar is a financial advisor with LPL Financial in Potomac, MD, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. His prior roles include positions at United Brokerage Services and Capital One Advisors, LLC. He serves as a nonprofit board member. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of advisers, offering a range of advisory programs, financial planning, and retirement plan consulting.

Brianna Wirfs is a financial advisor at Cetera with seven years of industry experience and holds the Series 66 designation. She has previously worked at Lincoln Financial Advisors and operates as an operations manager for Bulman Financial. Brianna also serves as an elected board member for the Central Carroll Soccer Club, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm offering financial planning, portfolio management, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm provides a multi-manager platform allowing advisors to utilize affiliated and third-party model portfolios or create custom strategies across various program structures and custodial relationships.

Ronald Seegers is a financial advisor at Fidelity with 25 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His career includes roles at Fidelity Investments, Fidelity Personal and Workplace Advisors, and Fidelity Brokerage Services LLC. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, model portfolio delivery, and its regulatory registrations and advisory roles within the investment company sector.

Rolf Winch is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 registrations and has worked previously at Grove Point Investments, Grove Point Advisors, The Compensation Design Companies, and H. Beck, Inc. Outside of advisory roles, he has been involved with The Compensation Design Companies since 1998. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by LPL Research and various subadvisors.

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 with LPL Financial in Rockville, MD, holding a Series 66 credential and 19 years of industry experience. He has worked at firms including Grove Point Advisors, GEM Financial Services, and H. Beck, Inc. Outside of advisory roles, he owns Tower Oaks Testing LLC, a testing center. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and access to model portfolios and research from various sources.

Sean Thompson is a financial advisor at OSAIC with four years of industry experience. He holds the Series 65 and Series 63 designations and has worked in various roles at Investcorp Retirement Specialists and SagePoint Financial, Inc. Thompson has also served as Assistant Vice President for InvestOne Wealth Management Inc., a DBA entity. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides a range of brokerage and advisory services supported by asset-allocation tools, multiple investment platforms, and third-party managed account solutions.

Steven Heger is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been associated with LPL Financial since 2013 and has concurrent roles at HUB International and Global Retirement Partners, LLC. Outside of his advisory work, he is involved with A Pineapple Life, a non-investment related business entity. LPL Financial serves 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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 having eight years of industry experience. Her previous roles include positions at Grove Point Advisors, Ameriprise Financial Services, and Discover Financial Services. In addition to her advisory work, she is involved with Corporate Benefit Services, Inc. in Rockville, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, utilizing research from LPL Research and third-party subadvisors across discretionary and non-discretionary management strategies.