Charles Phillips Jr. is a Senior Financial Advisor specializing in developing and implementing advanced financial strategies for families, businesses, and individuals, including those with long-term disabilities and special needs. Since joining Merrill Lynch Wealth Management in 2008, he has focused on the primary concerns of preservation of capital, tax minimization, and lifetime cash flow needs. Charles collaborates closely with families' estate attorneys and CPAs to establish multi-generational wealth strategies, often incorporating philanthropic techniques. His practice places particular emphasis on improving the financial well-being of individuals living with special needs, regardless of their age or disability. This includes creating customized financial strategies involving Special Needs Trusts, Pooled Special Needs Trusts, Conservatorships, Guardianships, Charitable Trusts, Generational Skipping Trusts, and various Family Trusts. He has been recognized by Forbes/Shook as one of "America's Top Next-Generation Wealth Advisors" multiple times between 2017 and 2023. He holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree from the University of Wisconsin-Madison. Charles is involved in his community through his volunteer work with Quality Trust for Individuals with Disabilities.

Nicola O'neil is a CFP® professional with 16 years of experience, currently affiliated with UBS Financial Services in Washington, DC. She has held roles at UBS since 2011, with a brief period of unemployment from 2018 to 2019. Outside of advising, she serves as a Ballot Clerk for the District of Columbia Board of Elections. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven investment strategies tailored to clients' goals and risk tolerances.

Rumana Tarin is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in helping affluent individuals and families with services including corporate executive support, education planning, equity compensation, family wealth management, legacy planning, liquidity management, personal retirement planning, small business strategies, special needs planning, and tax minimization. Rumana holds a Bachelor's Degree from Stony Brook University and an Associate's Degree from Briarcliffe College. She has also completed advanced financial planning coursework at the College for Financial Planning. Her professional credentials include the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, Certified Plan Fiduciary Advisor® (CPFA®) designation, Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) certifications. She is a member of the Bank of America Long Island Regional Council. Rumana is actively involved in the special needs community through her work with Autism Speaks. She brings her fluency in English, Persian, and Spanish to her practice. Outside of work, Rumana enjoys music, fitness, traveling, reading, and spending time with her family.

Brian Haney is a financial advisor with Cambridge Investment Research Advisors in Silver Spring, MD, holding Series 63 and Series 65 credentials and 20 years of industry experience. His prior roles include positions at Dempsey Lord Smith and Coastal Investment Advisors, as well as a decade at MML Investors Services and Mass Mutual Life Insurance. Outside of his advisory work, Haney owns and operates a consulting and coaching business and an insurance agency. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, using a variety of platform arrangements and proprietary as well as third-party strategies.

Edward Berry is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2006, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his professional work, he is a self-published author of a personal book and participates in Argentine tango dancing. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs backed by extensive resources including sophisticated planning tools and a comprehensive approach to asset management.

Christopher Rodriguez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 65 designations and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering its services through a non-discretionary program supported by an in-house manager solutions team.

Matthew Offen is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and 23 years of industry experience. He has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning approach involves structured discovery conversations and firm-approved tools, offering tailored plans without individual security recommendations as part of standalone planning.

Rebecca Luft is a Series 66-licensed financial advisor at Merrill with four years of industry experience. Her work history includes roles at Merrill, Rockefeller Financial LLC, Bank of America, N.A., and PNC Wealth Management. 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, pension plans, corporations, and charitable organizations.

Courtney Babcock is a financial advisor at UBS Financial Services with 1 year of industry experience. She previously worked at Morgan Stanley for 4 years and AMN Healthcare for 2 years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research to tailor investment strategies to client goals and risk tolerances.

Terrence Frederick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1996 and joined Merrill Lynch in 2009. In his role, Terrence focuses on developing tailored strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Terrence serves as a qualified Portfolio Manager, offering clients personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. He manages these strategies on a discretionary basis within the Firm's Investment Advisory Program. The Frederick Group follows a disciplined process aimed at delivering customized wealth management solutions that address clients’ risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. He holds a Bachelor of Science degree in Business Management with an emphasis in marketing from the University of Maryland, earned in 1987. Terrence also holds the Chartered Retirement Planning Counselor™ (CRPC) certification awarded by the College for Financial Planning and is designated as a Personal Investment Advisor (PIA).

John Marshall is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory role, he serves as Treasurer for Friends of Ballou, a nonprofit organization that raises funds for college scholarships for graduates of Ballou High School in Washington, D.C. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Day Jr. is a financial advisor at LPL Financial with 32 years of industry experience. He has held his current role at LPL Financial since 1996 and holds Series 63 and Series 65 credentials. Outside of his advisory work, he has been involved in teaching seminars and selling non-variable insurance products, including disability, health insurance, fixed annuities, long-term care, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and various technologies to support diversified investment strategies.

Colin Mckay is a financial advisor at UBS Financial Services with 21 years of industry experience. He previously worked at Goldman, Sachs & Co for 10 years before joining UBS in 2020. He holds Series 63 and Series 66 designations and serves on the local regional board of Woodberry Forest School. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm provides tailored financial planning and portfolio management supported by proprietary research and operates as a broker-dealer, investment adviser, and futures commission merchant.

Sharon Lewis is a financial advisor at Primerica Advisors with 22 years of industry experience and holds Series 63 and Series 65 credentials. She has worked with Primerica Advisors since 1996 and operates a separate business, Fiscal Pink, LLC, which publishes children’s books. Primerica Advisors is a large firm serving individual, corporate, and charitable clients through a wrap-fee asset management program that relies on model-delivery strategies managed by third-party asset managers, with discretionary separately managed account options and custodial support from Pershing.

Madelyn Simmons is a financial advisor at RBC Capital Markets with Series 63 and Series 65 designations and one year of industry experience. She has previously worked at Rothschild Capital Partners, GGM Wealth Advisors (now Waverly Advisors), and MAI Capital Management. Outside of finance, she has experience with Fresh Prints and spent several years involved with Maryvale Preparatory School. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile using a combination of in-house and third-party investment managers.

Maria Vitullo is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Before joining UBS in 2026, she had roles at Reunion Brewery and Bread Garden Market, as well as eight years at Butterfield Country Club. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients' goals and risk tolerances.

Nicholas Burda is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, E*TRADE Capital Management, and The Vanguard Group. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that integrate both retail and institutional investment solutions.

Christopher Pifer is a financial advisor at RBC Capital Markets with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining RBC, he worked at T. Rowe Price and has held roles outside finance, including at Baltimore Tent Company and Dulaney Swim Club. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering customized investment strategies through various advisory programs and a combination of in-house and third-party managers.

Thomas Perna Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been with JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2017 and previously worked at CPT Capital LLC from 2014 to 2017. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Taylor Ayers is a financial advisor with J.P. Morgan Securities who holds a Series 66 credential and has five years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2024, Ayers worked at Bank of America and Merrill from 2021 to 2024, and has experience in both financial services and hospitality sectors. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.