Denise Leish is the sole advisor at Money Plans, an independent firm based in Silver Spring, MD. She holds a Series 65 designation and has 27 years of industry experience. Denise has been with Money Plans since 1983. Money Plans offers fee-only investment and financial planning services to individuals and families, providing discretionary money management, one-time investment reviews, comprehensive financial planning, and hourly consultations. The firm’s investment approach emphasizes tax- and cost-efficiency using low-cost ETFs and institutional share classes, with portfolios managed for diversification, price-earnings discipline, capital preservation, and tactical use of inverse and leveraged ETFs when appropriate.

Dean Daniel is the principal of Daniel Capital Management, LLC and holds a Series 65 designation with 18 years of industry experience. He has been with Rosemore since 2014 and occasionally provides strategic finance consulting services to corporations and start-ups on an hourly basis. Daniel Capital Management offers investment advisory services primarily to high-net-worth individuals, municipal entities, other investment advisers, and nonprofit clients, generally focusing on accounts of $2 million or more. The firm pursues absolute returns through multi-asset investing and a dynamic allocation approach that incorporates macro, micro, and quantitative analysis, including the use of hedging, derivatives, and illiquid securities.

Sean Falk is a financial advisor with Peak Investment Advisors, Inc. in Germantown, MD, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has been with Peak Investment Advisors since 2006 and also manages Peak Insurance & Benefit Services, LLC, an insurance and benefit services firm serving individuals, employers, and groups. Additionally, he works part-time as a tax preparer during tax season. Peak Investment Advisors, Inc. provides discretionary asset management to individuals, trusts, pension plans, and other entities, combining fundamental, cyclical, and technical analysis with a primarily buy-and-hold investment strategy. The firm manages accounts on a discretionary basis and refers clients to unaffiliated third-party money managers.

Olac Pallan Gayol is a financial advisor at OPG Asset Management with five years of industry experience. He holds Series 63, 65, and 66 designations and has worked at firms including Merrill Lynch, Deutsche Bank Americas, and Onyx Bridge Wealth Group. He is also involved with Emerson Equity as a registered representative. OPG Asset Management provides investment advisory services to individuals, high-net-worth clients, retirement plan sponsors, trusts, and business entities. The firm uses a variety of portfolio models and research methods to implement diversified strategies, offers financial planning without additional charge, and advises on the selection of other advisers and model portfolios.

Ryan Worch is the sole advisor at Worch Capital LLC in Rockville, MD, holding Series 63, 65, and 66 licenses with 15 years of industry experience. He has worked concurrently at Sanders Morris Harris, Inc. and Concept Capital Markets, LLC since 2011. Worch Capital provides discretionary and non-discretionary investment management, financial planning, and consulting to individual and institutional clients, operating a private pooled investment vehicle as general partner. The firm employs a proprietary strategy combining momentum and swing trading with special‑situations fundamental research, and it utilizes borrowing, derivatives, and performance-based compensation in its management approach.

Ethan Miller is a CFP® with nine years of industry experience and the sole advisor at Planning for Progress in Silver Spring, MD. His prior work includes roles at the Department for Professional Employees, AFL-CIO, and Jobs With Justice. He also serves as finance and operations director for IFPTE Local 70, a Washington, DC-based union, managing its financial operations on a part-time consulting basis. Planning for Progress serves middle- and upper-middle-income individuals and families, as well as small businesses, nonprofits, and employer plan sponsors. The firm offers comprehensive and project-based financial planning, investment management, and retirement plan consulting, using diversified, long-term asset allocation strategies tailored to clients’ goals and values.

Yingjie Shu is a financial advisor with Kailasa Capital Management LLC, holding a Series 66 designation and six years of industry experience. Before joining Kailasa in 2024, Shu worked at Equitable Advisors from 2020 to 2024. Outside of advisory work, Shu is involved with Blue Latitude, LLC, which is unrelated to investment activities. Kailasa Capital Management oversees approximately $298 million in client assets and serves individuals, family offices, trusts, endowments, institutions, and other registered investment advisors. The firm employs a long-term investment approach based on fundamental analysis and internal due diligence, managing portfolios with equities, fixed income, ETFs, and options, and also operates private funds and provides ERISA fiduciary services.

Efrata Kirose is a financial advisor at One Oak with a Series 65 designation and two years of industry experience. Prior to joining One Oak, Kirose worked at Align Impact, LLC, Working Within, Syntrinsic LLC, Syntrinsic Investment Counsel, Obermeyer Wood Investment Counsel, and Established. Outside of financial advising, Kirose owns and operates EDK Creative LLC, a graphic design and marketing services business. One Oak provides outsourced chief investment officer and customized investment advisory services primarily to institutional clients, focusing on comprehensive investment policy development, manager selection, and ongoing due diligence. The firm emphasizes an integrated OCIO approach and serves a relatively small client base with a high account threshold.

Arthur Locke III is the sole advisor at Locke Asset Management in Great Falls, VA. He holds the CFP®, PFS™, and Series 65 designations and has nine years of industry experience. He has managed his own practice since 2011. Locke Asset Management serves individuals, trusts, and small businesses with discretionary portfolio management, financial planning, and tax preparation services. The firm employs diversified portfolios and risk-based client grouping, emphasizing written investment policy statements tailored to each client.

Khalid Usmani is a financial advisor at One Oak with 7 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Allstate and Avantax Wealth Management. He is also president of MIU Partners LLC, an independent insurance agency specializing in property, casualty, and life insurance. One Oak provides outsourced chief investment officer (OCIO) and customized investment advisory services primarily to institutional clients such as endowments, foundations, and family offices. The firm emphasizes an integrated OCIO model with discretionary and non-discretionary management, combining various analytical techniques and ongoing due diligence.

Chris Bettencourt is a CFP® professional with 17 years of industry experience, currently serving at Bethesda Financial Advisors, LLC since 2014. He also holds licenses as a life, annuity, and health insurance agent and is a licensed loan officer with Bancstar Mortgage, LLC, working 10 hours or less per week in mortgage financing. Bethesda Financial Advisors serves individual and high-net-worth clients with portfolio management and financial planning, using a blend of core passive allocation and active tactical adjustments tailored to clients’ risk tolerance and goals.

Richard Pinion is a financial advisor with Pinion Financial Services, LLC in Bethesda, MD, holding CFP® and ChFC® designations and over 40 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and has been with OSAIC since 2023. Outside of investment advisory work, he is involved in health and life insurance writing and recruitment. Pinion Financial Services provides financial planning, pension and retirement-plan consulting, and referral services for third-party investment advisory programs. The firm emphasizes selecting and monitoring outside advisors and favors long-term mutual fund investments, without managing client assets on a discretionary basis.

Peter Ryan is a financial advisor at Alikos Wealth Management, LLC with nine years of industry experience. He holds the Series 65 designation and has been with Alikos since 2015. Ryan also has over 30 years of experience at Ryan & Wetmore P.C. Outside of his advisory work, he is involved as a member in several real estate investment partnerships. Alikos Wealth Management serves individuals, retirement plans, trusts, charitable organizations, and small businesses by providing discretionary investment management, financial planning, and retirement plan consulting. The firm emphasizes long-term, broadly diversified portfolios primarily implemented with passively managed mutual funds and ETFs, and offers customized solutions including ESG, tax-sensitive, and fixed-income accounts.

Saqib Rashid is a financial advisor at One Oak with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Inverness Capital Advisors, Blue Sand Securities LLC, and Abraaj North America. Outside of his advisory role, he is a partner at OneOak Holdings, LLC, which provides outsourced CIO and investment portfolio services to charitable foundations, and he also consults for several private equity and venture capital firms on marketing and institutional investor relations. One Oak provides outsourced chief investment officer and customized investment advisory services primarily to institutional clients such as endowments, foundations, and family offices. The firm employs an integrated OCIO model that includes policy development, asset allocation, manager selection, due diligence, and performance reporting, focusing on larger or institutional mandates with a low client-to-advisor ratio.

Jeremy Jacques is a financial advisor with Jacques Advisors, LLC, holding a Series 66 designation and 12 years of industry experience. He has worked at Jacques Advisors since 2017 and is also involved with Jacques & Associates Certified Public Accountants, LLC and Jacques Financial, LLC, both since 2013. Outside of advisory work, he is associated with a certified public accounting firm. Jacques Advisors serves individual and high-net-worth clients by offering discretionary asset management, financial planning, consulting, and referrals to third-party money managers. The firm combines advisory, brokerage, and accounting services, managing approximately $86 million for about 250 clients through customized portfolios and a mix of in-house and third-party strategies.

Patricia Houlihan is a CFP® with 23 years of industry experience and has been with Houlihan Financial Resource Group, Ltd. since 1999. She holds Series 63 and Series 65 licenses and is based in Ashburn, VA. Houlihan Financial Resource Group, Ltd. is a privately owned advisory firm offering discretionary portfolio management and integrated financial planning to individuals, trusts, foundations, pensions, and corporations. The firm primarily serves high-net-worth clients using an in-house management model and implements portfolios through five internal investment program categories.

Audrey Jones is a financial advisor at Poder Wealth Advisors with a Series 65 designation and three years of industry experience. She previously worked at Carson Wealth and CWM, LLC. Outside of her advisory role, she is the founder and CEO of SkateFit, LLC, a fitness business. Poder Wealth Advisors serves individual clients, including high-net-worth households, business owners, and nonprofit entities. The firm uses a primarily passive, Modern Portfolio Theory-based investment approach and offers discretionary portfolio management, financial planning, and insurance assistance.

Kevin Mcloughlin is a CFP® professional with six years of industry experience, currently advising at Trio Wealth Management, LLC. His prior experience includes roles at Chain Bridge Bank, United Capital Financial Advisers, Arista Wealth Advisors, and Capital Financial Services. Trio Wealth Management is a fee-only, SEC-registered advisory firm serving individual and high-net-worth clients with discretionary investment management and comprehensive financial planning. The firm combines strategic asset allocation and a mix of passive and active investment vehicles with options to delegate management to independent third-party managers while maintaining supervisory oversight.

Dzhemma Menkeeva is a financial advisor at Foxman Asset Advisors Inc. with one year of industry experience. Prior to joining Foxman Asset Advisors in 2025, she worked at PJSC Rosbank for 11 years and at Suffolk University for one year. She is also an insurance agent involved in client solicitation for insurance products. Foxman Asset Advisors provides advisory services to individual investors, corporations, trusts, and foundations, offering discretionary portfolio management, financial planning, and consulting. The firm generally pursues long-term trading strategies based on fundamental analysis, modern portfolio theory, and quantitative techniques.

Ryan Beckwith is a financial advisor at Bluestone Financial Advisors, LLC, holding a Series 65 designation with three years of industry experience. His prior work includes roles at GP Strategies Corporation and Waddell & Reed. Bluestone Financial Advisors primarily serves entrepreneurs, business owners, high-net-worth individuals, corporations, and charitable organizations. The firm acts as a personal CFO, providing financial planning, consulting, and investment management through fixed-fee arrangements, focusing on long-term financial strategy and using fundamental research to guide investments.