Elizabeth Winstedt is a CFP® with 27 years of industry experience, currently practicing at Cetera since 2010. She has worked with Cetera Financial Specialists LLC since 2003 and operates Winstedt Business Services, providing tax, accounting, and planning services to individual small businesses. She serves as co-financial secretary at Community of Faith United Methodist Church in Herndon, VA. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Nabil Mufti is a CFP® with 33 years of experience in the financial industry. He has worked at Osaic since 2024 and previously spent 19 years at Woodbury Financial. Mufti also serves as an adjunct professor teaching investments for the CFP program at Virginia Commonwealth University. Osaic Wealth, Inc. serves a broad range of retail and institutional clients, including high-net-worth individuals and pension plans, offering integrated brokerage and advisory services. The firm employs asset-allocation tools, automated rebalancing, and multiple advisory platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Maynur Karluk is a CFP® professional with 16 years of industry experience. He has worked at OSAIC since 2024 and previously spent 15 years at Woodbury Financial Services, Inc. He is a senior partner at Miye Wire LLC, where he develops and delivers financial plans and meets with clients to provide investment advice. OSAIC serves a wide range of retail and institutional clients through an extensive network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools and risk-tolerance analysis to construct diversified portfolios and offers integrated brokerage, advisory, and third-party managed account services.

Michael Westwick is a financial advisor at Cetera with nine years of industry experience. He holds Series 66 and Series 63 credentials and has worked with firms including Avantax and Capitol View Financial Group. Westwick is also the owner of Potomac Wealth & Tax LLC, which provides tax preparation, tax planning, and bookkeeping services in addition to wealth management. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts, offering a multi-manager platform with a range of portfolio management and financial planning services.

Sharon Meyer is a financial advisor at Ameriprise with 32 years of industry experience. She holds Series 63 and Series 65 designations and has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with substantial investable assets, providing tailored recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and automated tools overseen by a dedicated team to deliver these services, emphasizing assets managed within Ameriprise accounts.

Jennifer Abate is a Senior Financial Advisor at Merrill Lynch Wealth Management with nearly 20 years of experience in the financial services industry. She specializes in helping clients achieve financial freedom and reach their objectives, including retirement, income planning, and wealth management. Jennifer's areas of expertise encompass college education planning, divorce transition planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Jennifer holds a Bachelor's Degree from the University of Virginia and a Master of Business Administration (MBA) from Tulane University's AB Freeman School of Business. She has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in both English and Spanish, Jennifer serves a diverse client base. Outside of her professional role, Jennifer is involved in her community as a volunteer with Ashburn Volunteer Fire & Rescue. She enjoys cooking, running, and spending time with her family.

Melanie Kelly is a Financial Advisor at Merrill Lynch Wealth Management, where she has been practicing since 2005. She works with individuals, families, and businesses to develop strategies and provide advice through a goals-based planning process. Her client focus areas include education planning, family wealth management strategies, personal retirement planning, women and wealth, and tax minimization. With over 20 years of experience in the financial services industry, Melanie applies a comprehensive approach to wealth management that begins with listening to her clients' needs and priorities. She specializes in creating personalized, goals-based strategies and collaborates with clients' tax and legal advisors to facilitate clear communication and understanding, especially concerning estate planning. Melanie holds a Bachelors Degree from the University of Delaware and the CERTIFIED FINANCIAL PLANNER® (CFP) certification. She is a member of the CFP Board. Residing in Clifton, Virginia, Melanie enjoys spending time with her husband and two daughters, participating in family activities such as hiking, soccer, swim team, and dance.

Stanislav Sabinin is a CFP®-credentialed financial advisor with 11 years of industry experience, currently with Edelman Financial Engines in Fairfax, VA. He has been with the firm and its predecessor entities since 2016. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with advisor guidance and online tools, offering a range of discretionary and non-discretionary investment options.

James Boltz II is a financial advisor at Edward Jones in Manassas, VA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Brennan is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Brennan is involved in acting, participating in theater productions and various media projects. 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 employs an IPS-driven advisory process grounded in modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Kanad Tiwari is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been a member of The Greene, Metcalfe, Cole, and Associates Team since 2007 and initially started his career at Merrill in 2001 as an intern. In his current role, Kanad serves as a key point of contact for business development, client relations, and trade activities related to client portfolios. He also supports The Greene, Metcalfe, Cole, and Associates Team with their syndicate portfolios. Kanad holds an Accredited Certificate from George Mason University and maintains the designation of Personal Investment Advisor (PIA). Outside of his professional responsibilities, he is engaged in charitable and nonprofit organizations including the US India Security Forum and Pratham USA. Kanad lives in Washington, DC with his wife, Seema, and they share interests in traveling, playing tennis, snowboarding, and spending time with their families. He is also active in his homeowners association in Reston, VA.

Michael Wilber is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. His prior work includes roles at ECS Federal, Akima, and a period as a self-employed professional. Outside of finance, he manages Gingerfunk Allstars, LLC, a music and entertainment business based in Middleburg, VA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Joe Bartosic is a Vice President and Financial Consultant at Fidelity Investments. In his current role, he partners with clients to develop customized financial plans tailored to their specific goals and needs. He has been with Fidelity Investments since 2019, progressing through several roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before becoming Vice President. His experience encompasses various aspects of financial consulting and client relationship management. Joe emphasizes the importance of having a sound financial plan as a key element in preparing for the future.

Joseph Mc Clenny is a financial advisor at Edward Jones in Gainesville, VA, holding a Series 66 designation with eight years of industry experience. He has been with Edward Jones since 2017 and previously worked at Life Time Fitness from 2011 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Kevin Underwood is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. He has worked at Cetera since 2025 and has prior experience at Avantax Advisory Services, Pension Benefit Guaranty Corp, and Badger Sumrall & Co, CPAs, where he currently provides tax preparation and planning services. Outside of advisory work, he owns and operates a CPA firm focused on tax preparation and accounting. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, financial planning, and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

Robert Allred is a financial advisor with UBS Financial Services in Vienna, VA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with UBS Financial Services since 1998. Outside of his advisory role, he serves as successor trustee for two testamentary trusts established by family members. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides fee-based financial planning, portfolio management, and access to mutual funds and alternative products, leveraging proprietary research and institutional trading capabilities.

William Wallace is a financial advisor with Primerica Advisors in Ashburn, VA, holding Series 63 and Series 65 credentials and over 33 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1992. In addition to his advisory role, he is involved in the sale of home security and automation products, as well as loan product referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports execution and custody through BNY Mellon Advisors and Pershing.

John Noble is a financial advisor at Edelman Financial Engines with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TIAA-CREF and Financial Engines Advisors L.L.C. There are no additional notable outside activities reported. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online platforms.

James Wehr is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 45 years of industry experience. He has worked with MassMutual Life Insurance Company and Mass Mutual Investors Services since 2001. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various investment programs tailored to client goals.

Thomas Stichter is a Financial Consultant currently employed with Fidelity Investments. He has been serving in this role since 2025, following a position as an Investment Consultant at the same firm from 2024 to 2025. Prior to joining Fidelity, Thomas accumulated experience as an Investment Associate at Halite Partner in 2018 and as an Investment Analyst at Cambridge Associates from 2014 to 2018. In his professional capacity, Thomas focuses on building strong, long-term relationships with clients by understanding their priorities and helping them make confident financial decisions. His background includes various roles concentrating on investment analysis and consulting, contributing to his expertise in the financial services sector. Outside of his professional activities, Thomas enjoys engaging in golf, hiking, reading, skiing, and surfing.