Andrew Brand is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. He has worked with Cetera and its affiliated entities since 2023 and was previously with Financial Advantage and Minnesota Life/Securian Financial Services from 2013. Outside of his advisory role, he owns a real estate rental business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program and custodial options.

Anne London is a CFP® professional with 28 years of industry experience, currently serving at Equitable Advisors since 1999. She has held her position through the firm’s prior affiliation with Axa Advisors, LLC. Outside of her advisory role, she is an investment committee member and honorary national vice president of the National Council of Jewish Women and serves on the board of the Hebrew Burial and Social Services Society in Baltimore. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves assessing client needs and risk tolerance to match them with suitable program models or discretionary managers, utilizing a combination of third-party asset managers and firm-offered advisory programs.

Patricia Kazumba is a CFP® and Series 66 licensed advisor with Cambridge Investment Research Advisors, where she has worked since 2015. She has 23 years of industry experience. In addition to her advisory role, she is also an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves a diverse client base, including individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and proprietary strategies.

Patrick Lively is a financial advisor with Merrill, holding a Series 66 designation and based in North Bethesda, MD. He has been with Merrill and Bank of America since 2025 and has prior experience working with Big Fish Restaurant Group and educational institutions including Boston College and Gonzaga College High School. 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 individuals, high-net-worth clients, and institutional accounts.

Gavin Alwine is a financial advisor at Equitable Advisors with a Series 66 designation and less than one year of industry experience. Prior to joining Equitable Advisors, his background includes roles outside the financial services industry, such as positions at PetSmart, Chick-fil-A, and Keystone Bean LLC. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm works with numerous third-party asset managers and utilizes various advisory models, emphasizing fiduciary services and a mix of proprietary and third-party investment solutions.

Lisa Carpenter is a financial advisor at RBC Capital Markets with 21 years of industry experience. She holds Series 63 and Series 65 licenses and has been with RBC Capital Markets Corporation since 2009. Outside of her advisory role, she serves on the Board of Directors and as Secretary for Shepherd's Care Children's Center, Inc., a nonprofit preschool affiliated with her church. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management and financial planning services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Gary Carson Jr. is a financial advisor with RBC Capital Markets in Chevy Chase, MD, holding a Series 66 designation and having eight years of industry experience. He has been with RBC Capital Markets since 2017 and previously worked at Capital One. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs providing portfolio management, financial planning, custody, and brokerage services, employing tailored strategies via a mix of in-house and third-party investment managers.

Steven Crosby is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Wells Fargo Bank and Sunset Cove. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Germaine Motanga Nelson is a Series 66-registered financial advisor with Merrill, based in Olney, MD, and has eight years of industry experience. She has been with Merrill and Bank of America, N.A. since 2011. Merrill 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.

Helen Mc Call is a financial advisor at Charles Schwab in Reston, VA, holding Series 63 and Series 66 licenses with three years of industry experience. Her prior experience includes roles at Fidelity Investments and Meriwether Godsey, as well as work in education and alumnae relations at Sweet Briar College. 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 both non-discretionary and discretionary portfolio management, combining strategic asset allocation with access to alternative investments and centralized operational support.

Jared Bjornberg is a Financial Consultant at Fidelity Investments, a role he has held since 2026. He has been with Fidelity Investments since 2021, progressing through various positions including Investment Consultant, Planning Consultant, and Workplace Planning Consultant. Jared's professional experience encompasses financial consulting and planning, with a focus on helping clients build tailored financial strategies. Throughout his tenure at Fidelity Investments, Jared has worked closely with individuals to co-create financial roadmaps aligned with their unique lifestyles and goals. His approach centers on supporting clients through significant financial decisions to foster better financial futures. Outside of his professional responsibilities, Jared has interests in fitness, food, outdoor adventures, reading, and running.

Akeem Williams is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at JPMorgan Chase Bank N.A. and J.P. Morgan Securities LLC since 2019. Outside of his advisory role, he is an owner and partner of Islanders Properties Managements LLC, a real estate business. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm focuses on non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Patrick Perry is a financial advisor at LPL Financial with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Cambridge Investment Research Advisors, Inc. and Centaurus Financial Inc. Outside of his advisory role, Perry is active as a drummer in the musical group Goodbye July and serves as COO of a logistics and consulting company. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing various model portfolios and third-party subadvisors, supported by operational tools including machine learning.

Courtney Hyatte is a financial advisor with Merrill in Columbia, MD, holding the Series 66 designation and beginning their career in 2025. Prior to joining Merrill, Hyatte spent 27 years at Bank of America and also worked at Certainty Home Lending. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mara Da Silva is a CFP® and Series 66-designated financial advisor with 14 years of experience at RBC Capital Markets, where she has worked since 2012 in Rockville, MD. She is affiliated with RBC Wealth Management, a division of RBC Capital Markets, LLC, which serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients' risk profiles, utilizing both in-house and third-party investment managers.

Alexandra Julia Nemeroff is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 credentials and seven years of industry experience. Her prior work includes positions at Franklin Templeton Distributors, Inc., Equinox, and Trunk Club. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Erica Nolan is a financial advisor at OSAIC with 19 years of industry experience. She holds a Series 66 designation and has previously worked at firms including Morgan Stanley, Citigroup Global Markets, and Grove Point Investments. Nolan was with Securities America Advisors and Securities America Inc for nine years before joining OSAIC. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process that includes asset allocation, portfolio optimization, and access to third-party money managers and proprietary models.

Crystal Davis is a CFP® professional with 15 years of industry experience, currently with Cetera. She has held roles at Avantax and operates Davis Financial Services LLC, where she prepares tax returns for individuals, businesses, and estates. She also serves as a director at Davis & Ritter CPA's LLC and is involved in editorial work for various publications. Cetera Investment Advisers LLC is a large SEC-registered firm that serves a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse investment solutions through a multi-manager platform, combining affiliated and third-party managers across discretionary and non-discretionary programs.

Timothy Ernst is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors for 25 years. Outside of his advisory role, he coaches middle school soccer in an after-school program. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and access to multiple investment programs through an extensive multi-advisor platform.

Heath Chavis is a CFP® with 13 years of experience in financial advisory roles, currently with Cetera. His prior experience includes positions at Avantax Advisory Services, Triad Advisors, and H.D.Vest Advisory Services. In addition to his advisory work, he owns The IBC Group, a full-service tax and accounting firm providing services to small businesses and individuals. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with access to affiliated and third-party investment managers and manages over $256 billion in assets.