Stephen Lo is a financial advisor at Charles Schwab with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2008. Prior to that, he was with Ameriprise from 2004 to 2008 and MSI Financial Services from 2002 to 2004. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 and discretionary investment guidance using multi-asset model portfolios and maintains an integrated structure with centralized custody and supervisory arrangements.

Matthew Tew is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. His prior roles include positions at Merrill, Bank of America, and Morgan Stanley, along with a one-year tenure at Howard County Public Schools. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s process incorporates both quantitative and qualitative research and may include ESG considerations in its recommendations.

Omar Jennings IV is a Series 66-licensed financial advisor with Equitable Advisors in Columbia, MD, where he has 16 years of experience. Before Equitable Advisors, he worked at AXA Advisors LLC for 10 years. Outside of his advisory role, he is the sole member of Hudson Thomas LLC, a business entity unrelated to investment activities. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management. The firm’s approach involves matching clients to appropriate program models or discretionary managers, utilizing both proprietary and third-party solutions delivered through a network of advisers.

Riley Ellis is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments, he worked at The Maryland Club and the University of Maryland, and has experience with Norbeck Country Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also manages fund advisory services and model portfolios delivered to intermediary platforms.

John Barriga is a financial advisor at Charles Schwab with 19 years of industry experience. He holds a Series 66 designation and has worked previously at ProFunds Distributors, Inc. and TD Ameritrade. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs and managed account services. The firm provides both non-discretionary investment guidance and access to discretionary separately managed accounts, combining strategic asset allocation with due diligence on alternative investments.

Raymond Sutton is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and beginning his career in 2025. His prior work includes roles at Turf Valley Resort, Towson University, and community organizations such as the Elkridge Youth Organization. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and various asset management programs, utilizing both in-house and third-party managers to tailor investment solutions.

Mark Blackmer is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at PNC Investments for nine years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brian Dinka is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Morgan Stanley, PNC Investments, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is based on investment policy statements and modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Daniel Chun is a financial advisor with Morgan Stanley in Bethesda, MD, holding a Series 66 license and having 12 years of industry experience. He has been with Morgan Stanley Smith Barney since 2014 and affiliated with Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and quantitative tools to develop financial plans and provides a range of advisory programs alongside broad retail and institutional services.

Jeff Lin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include leadership positions at Grove Point Advisors, LLC, JBL Technology Solutions, LLC, and Accounting Consulting Solutions, LLC, as well as operating Jeff Lin CPA, LLC since 1984. Outside of advisory work, he manages a tax preparation and accounting practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Wojtek Wilczynski is a CFP® credentialed financial advisor at Edward Jones with seven years of industry experience. He has worked at Edward Jones since 2018 and previously practiced law at The WPW Law Firm, PLC from 2015 to 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors. The firm provides discretionary and non-discretionary investment solutions under a fiduciary standard and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Alex Andrade is a financial advisor with Edward Jones in Bethesda, MD, holding a Series 66 designation and six years of industry experience. Prior to his current role at Edward Jones, he worked at VisionWorks and Mens Warehouse. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Deren Reid is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Citigroup Global Markets and Legg Mason Wood Walker. Reid has been with Fidelity and its affiliated entities since 2010. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and may delegate management to sub-advisers while maintaining oversight controls.

Amber Rizer is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Darwin Alfaro is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at both Merrill and Bank of America N.A. since 2006. Outside of his advisory role, Alfaro is involved with a condominium organization called Frenchman Creeks. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Stephen Jozwick is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at OneMain Financial and Bank of America. 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.

Drew Woolery is a financial advisor with Charles Schwab in Bethesda, MD, holding the Series 63 and Series 66 designations and having 29 years of industry experience. He has been with Charles Schwab and its related entities since 1999. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Kaitlyn Manning is a financial advisor with LPL Financial in Catonsville, MD, holding Series 63 and Series 66 credentials and bringing eight years of industry experience. Her prior roles include positions at Cetera Advisor Networks, Minnesota Life Insurance Company, and Massmutual, among others. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Melanie Simons is a financial advisor with Charles Schwab in Bethesda, MD, holding a Series 66 designation and 19 years of industry experience. Her prior roles include positions at Chevy Chase Trust Company, Reframe Wealth, LLC, Extended Travel, and TIAA-CREF. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized operational infrastructure.

Michael Lyubinsky is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Mass Mutual Investors Services and MassMutual Life Insurance Company, having previously worked for Northwestern Mutual in various roles from 2010 to 2024. In addition to his advisory work, he is licensed as an insurance broker, focusing on life, disability, and long-term care insurance. Mass Mutual Investors Services 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 emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers a range of planning programs, including recent additions in divorce and estate-settlement planning.