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.

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.

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.

Andrew Paulson is a financial advisor with Ameriprise in Washington, DC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2007. Outside of his advisory role, Paulson serves on the Board of Directors for Capitol Hill Little League. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on retirement income, tax-aware withdrawal strategies, and Social Security claiming options.

Justin Dean is a CFP®, ChFC®, and Series 66-licensed financial advisor with Edward Jones, where he has worked since 2006. He has 19 years of industry experience. Outside of his advisory role, he is involved in financial education for federal employees through the National Institute of Transition Planning and participates in his church’s parish choir and investment committee. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and affiliated financial services, supported by a nationwide network of over 23,700 advisors.

James Molloy IV is a financial advisor at Morgan Stanley in Washington, DC, holding a Series 66 designation with three years of industry experience. His prior work includes roles at R&R Mechanical Inc. and multiple positions related to education and sports camps. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Susan Dove is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has prior work experience with KS Admissions Strategies LLC and the University of Virginia School of Law. She also served with the Combined Cathedral Crews Rowing Club in 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly 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 incorporates an ESG eligibility framework in its recommendations.

Lance Slaughter is a financial advisor with Wells Fargo Clearing in Washington, DC, holding Series 63 and Series 65 licenses and having 42 years of industry experience. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing. Outside of his advisory role, he serves on the finance and investment committees at Hood College, where he reviews financial data and investment consultant reports. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Morris Clarke is a financial advisor at Merrill with 20 years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at JPMorgan Chase and J.P. Morgan Securities Inc. for 10 years before joining Merrill and Bank of America in 2019. Clarke is an owner of Atwell Clarke Collective LLC, a company holding a piece of art, and serves on the advisory board for Howard University School of Business. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Michael Calandruccio is a financial advisor with LPL Financial in Suitland, MD, holding Series 63 and Series 65 licenses and having 26 years of industry experience. His career includes positions at CUNA Mutual Group and CUNA Brokerage Services since 2017 and a prior role at Kestra Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and technology solutions.

Steven Whittaker is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2012. Outside of his advisory role, he serves as treasurer for the Kanawha Youth Football & Cheerleading Association, a nonprofit organization. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies using in-house and third-party managers, focusing on client-specific risk profiles.

Prem Bajaj is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Prem completed an Accredited Certificate Program from the University of Pennsylvania.

Randall Brown is a CFP® and holds a Series 66 license with seven years of industry experience. He has worked at Edward Jones since 2018 and previously was employed at Urbanland Company and Bluwater Services. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and maintains a large national network of financial advisors and branch offices.