Michael Gradowski is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing 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.

Christopher Mathieu is a financial advisor with J.P. Morgan Securities in Washington, DC, holding Series 63 and Series 65 licenses and having 18 years of industry experience. He has worked at JPMorgan Chase Bank, NA and J.P. Morgan Securities continuously since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Malik Moore is a Series 66-licensed financial advisor with Merrill, bringing nine years of industry experience. He has worked at Merrill since 2016 and has been with Bank of America, N.A. since 2019. In addition to his financial career, Moore has been involved with Morgan State since 2011. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Miller is a CFP® with 19 years of industry experience, all spent at Edward Jones since 2007. He holds the Series 66 designation and is based in Severna Park, MD. 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 under management through a nationwide network of financial advisors and branch offices, offering discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds under a fiduciary standard.

Maria Fruciano is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 66 licenses and previously spent 11 years at Morgan Stanley Smith Barney. Her background includes a term with the Peace Corps. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory services.

Alyson Scott is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management serves 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 uses structured planning tools and modeling techniques as part of its advisory process.

Zachary Karr is a financial advisor at Stifel with 23 years of industry experience. He holds the CFP® and Series 66 designations. Karr has worked at Stifel Nicolaus & Co Inc since 2020, following roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group that supports asset allocation and financial planning analyses.

Kelly Davis is a financial advisor at J.P. Morgan Securities with 14 years of experience at JPMorgan Chase Bank NA and 13 years at JPMorgan Securities LLC. She holds Series 66 and Series 63 designations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers a non-discretionary service model and incorporates an ESG eligibility framework in its investment recommendations.

Carole Franks is a financial advisor at Morgan Stanley with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. She previously worked at Citigroup Global Markets starting in 1993. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm employs a structured planning process that utilizes firm-approved tools and modeling techniques to support client financial goals.

Juan Gochez Barrientos is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America, N.A. since 2013. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Keith Cross is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and previously managed a pet sitting business before transitioning to full-time education. His current role at Charles Schwab began in 2024. 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 advisory models and access to discretionary separately managed accounts, supported by a centralized operational structure and comprehensive alternative investment options.

William Zorr is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 63 credential and over 59 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021 and previously spent 15 years at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Jacqueline Hughes is a Financial Advisor at Merrill Lynch Wealth Management, specializing in helping individuals and families gain clarity and confidence in managing their financial lives. She works closely with clients through a planning-led approach that simplifies complex investing decisions by focusing on clients' values, goals, and life circumstances. Jacqueline collaborates with clients during periods of change or complexity, supporting informed decision-making in areas such as retirement planning, college education planning, family wealth management, and women and wealth. Jacqueline holds a Bachelor's Degree in Finance from Virginia Polytechnic Institute & State University and carries the Personal Investment Advisor (PIA) designation. She is a member of the Society of Financial Service Professionals. Her expertise includes managing portfolios, tax minimization, liquidity management, and navigating unique financial considerations faced by women investors. Raised in Vienna, Virginia, Jacqueline currently resides in Arlington. She maintains an active lifestyle, engaging in activities such as cycling, running, swimming, boxing, and tennis. Jacqueline values spending time with her family and their dog, Ella, and participates in community organizations including Alex's Lemonade Stand and Food for Others.

Hayley Davis is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves individual and institutional clients, providing a range of advisory programs and 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 financial planning process supported by firm-approved tools and models.

Jaclyn Bellini is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 63 and Series 66 licenses and previously worked at UBS and Segal Waters Consulting. She has held multiple roles in academia and consulting early in her career. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by firm‑approved planning tools and modeling techniques.

Laura Torres is a financial advisor at Merrill with 22 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2005. Outside of her advisory role, she is involved part-time with BroCo Vending Ltd, a corporation that sells concert merchandise. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Michael Hilliard is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked for Ameriprise Financial Services, Inc. for 17 years. Outside of his advisory role, he is an author of several books and serves as a board member for the Linstead Community HOA in Severna Park, MD. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and leveraging Wells Fargo research and tools to develop tailored recommendations.

Kamuzu Ngwazi Saunders is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at various J.P. Morgan entities since 2004 and currently serves as a board member and treasurer for Rocketship Public Charter Schools, where he has been nominated to become the next board chairman. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations and delivers services on a non-discretionary basis.

Brian Cruz is a financial advisor with Merrill in Washington, DC, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2022, he worked in academic roles at George Mason University and Northern Virginia Community College. Outside of finance, he has been employed as a waiter at Chuy's Restaurants for over seven years. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Stephen Brady is a financial advisor at Wells Fargo Clearing with 47 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates on a large scale with over 14,000 financial advisors and $671 billion in assets under management, offering both brokerage and advisory solutions.