Winston Imwalle serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been part of Fidelity since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked at Westminster Financial Companies as a Portfolio Management Group Associate from 2011 to 2013. With over 14 years of industry experience, including more than 12 years at Fidelity, Winston partners with individuals and families to assist with important financial decisions, aiming to provide holistic guidance. He leverages his extensive experience alongside Fidelity's resources to support wealth planning. Outside of his professional work, Winston enjoys family activities, golf, and traveling.

Keith Lindsey is a financial advisor at Osaic Wealth Inc. with one year of industry experience. He holds the Series 66 designation and has worked previously at Capital Harvest Wealth Partners, Hometap Equity Partners LLC, NVR Mortgage, and Road Runner Sports. Outside of his advisory role, Lindsey is involved in marketing and fixed annuity sales through Capital Harvest Wealth Partners. Osaic Wealth Inc. serves a diverse client base including individual and high-net-worth investors, institutional clients, and charitable organizations. The firm offers integrated brokerage and advisory services, retirement plan consulting, and access to various managed account platforms, employing tools such as asset-allocation models and automated rebalancing to construct diversified portfolios.

Philip Meyers is a financial advisor with LPL Financial in Rockville, MD, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Grove Point Advisors, LLC, and Grove Point Investments for over three decades. In addition to his advisory work, Meyers is involved with Out Of The Cave Technology, an outside employment engagement unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network, utilizing both discretionary and non-discretionary management with access to extensive research and model portfolios.

Michelle Stitely is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley continuously since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Adriana Colback is a financial advisor with Edward Jones in Potomac, MD. She holds the ChFC® and Series 66 designations and has 14 years of industry experience, having been with Edward Jones since 2011. She serves as a board member and secretary for a hospice organization in Ottumwa, IA. Edward Jones is a full-service wealth management firm serving over 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.

Cornelia Mallari is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset investment approach supported by dedicated research and alternative investment offerings.

Peter Rosenfelder is a financial advisor at Edelman Financial Engines with nine years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Edelman Financial Engines and its affiliated entities since 2015. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios and both discretionary and non-discretionary management options.

Lawrence Singer is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 66 and Series 63 licenses and bringing 20 years of industry experience. His prior work includes positions at Ameriprise Financial Services and Howard County Fire and Rescue. Outside of advising, he manages Gathering Roots Farm, where he oversees all aspects of farming operations. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that focus on dependable income and tax-aware withdrawal strategies. The firm uses a collaborative approach supported by proprietary research and tools to deliver tailored retirement recommendations.

John Hill is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. His career includes roles at MML Investors Services, Mass Mutual Life Insurance Company, Eagle Strategies, NyLife Securities, and New York Life Insurance Company. Mass Mutual Investors Services operates as 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, and educational seminars, using firm-approved tools to develop collaborative, goal-oriented planning relationships.

John Axley is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He joined Merrill in 1990, initially working in the Rockville, Maryland office, now located in North Bethesda. John holds the Certified Financial Planner® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™. John’s client focus areas include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He earned a bachelor's degree from the University of Maryland with a double major in Finance and Economics. Outside of his professional role, John is involved in various civic and philanthropic activities. He has served as Chair of the University of Maryland Colonnade Society and is a member of Leadership Montgomery. He resides in Montgomery County with his wife and three children and participates actively in his church. His personal interests include genealogy, pickleball, reading, running marathons, and traveling.

Maureen Shuler is a financial advisor with Morgan Stanley in Potomac, MD, holding a Series 66 designation and with 20 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a board member of the Kenwood Citizens Association, a community organization in Bethesda, Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning guided by a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a broad suite of investment services beyond financial planning.

Michael Schenk is a financial advisor with Morgan Stanley in Rockville, MD, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its advisory services.

Anteneh Gebretsadik is a financial advisor at Merrill with seven years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2017. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Trinity Grall is a financial advisor at LPL Financial with 25 years of industry experience and holds a Series 66 designation. Prior to joining LPL Financial in 2025, Grall worked at H. Beck, Inc. for 23 years and has been associated with several firms including GEM Financial Services and Commonwealth Financial Network. Outside of advising, Grall is employed at Walden Country Club and serves on the Anne Arundel County Board of Elections. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios, research, and various investment strategies.

Daniel Sipe is a financial advisor with Raymond James Financial in Rockville, MD, holding Series 63 and Series 66 licenses and having 35 years of industry experience. He has been with Raymond James since 2004 and previously worked at several firms focused on federal employee benefits. Sipe is a partner and managing officer in multiple non-investment-related businesses including GIVE LLC and Serving Those Who Serve, reflecting his involvement in entrepreneurial and support ventures outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using detailed risk profiling and modeling and supports its clients with a broad range of advisory programs and institutional services.

John Gagliardi Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His prior roles include positions at LPL Financial and M&T Securities. He also serves as a FINRA arbitrator on a part-time basis. 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, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers municipal advisory services alongside its broader institutional capabilities.

Victor Fox is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2017, and a prior position at the University of Maryland, College Park. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through Corporate Financial Planning agreements.

Jack Gill is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2016, progressing through various positions including Financial Consultant, Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Jack applies lessons learned early in life about the importance of planning to his approach in financial consulting. He collaborates with clients to understand their goals and develop customized strategies to manage, protect, and grow their wealth. Outside of his professional work, Jack enjoys spending time at the beach, watching movies, and listening to music.

Rutin Crisp is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. before joining Morgan Stanley. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and firm-approved tools, utilizing models such as Monte Carlo simulations, while primarily acting in an advisory capacity.

Montserrat Flores is a Series 66-licensed financial advisor with six years of industry experience. She is currently with J.P. Morgan Securities, where she has worked since 2021, following prior roles at Merrill and Bank of America/Merrill Lynch. Before entering the financial services industry, she held positions at St. Jude Children's Research Hospital and Cargill. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision authority.