William Martin Jr. is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including SagePoint Financial, UHY Advisors Mid-Atlantic, Triad Advisors, The Prosperity Consulting Group, and Hertzbach & Co. He also serves as a principal at UHY Advisors Mid-Atlantic, consulting on tax matters. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to institutions, offering integrated brokerage and advisory services along with access to third-party money managers and various managed account solutions. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that can include a wide range of investment products.

David Kelly is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 2012, progressing from Investment Representative to Financial Consultant before his current role. Prior to joining Fidelity, David worked at T. Rowe Price from 2005 to 2012 in various roles including Investment Specialist, Investment Counselor, and Service Specialist. David's professional experience spans over a decade in the investment and financial consulting industry. He focuses on understanding the unique needs of his clients and their families through active listening and tailored financial planning. His approach aims to provide clients with peace of mind and to serve as a trusted advisor to their families.

Rolf Winch is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 registrations and has worked previously at Grove Point Investments, Grove Point Advisors, The Compensation Design Companies, and H. Beck, Inc. Outside of advisory roles, he has been involved with The Compensation Design Companies since 1998. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by LPL Research and various subadvisors.

Michael Klitsch is a CFP® professional with 25 years of experience, currently serving at Morgan Stanley in Rockville, MD. He has worked with Morgan Stanley since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is the chairman of the National Capital Optimist Club and serves as a finance committee officer for Fourth Presbyterian Church in Bethesda, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market simulations.

Seth Meyers is a financial advisor with LPL Financial in Rockville, MD, holding a Series 66 credential and 19 years of industry experience. He has worked at firms including Grove Point Advisors, GEM Financial Services, and H. Beck, Inc. Outside of advisory roles, he owns Tower Oaks Testing LLC, a testing center. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and brokerage services through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and access to model portfolios and research from various sources.

Sean Thompson is a financial advisor at OSAIC with four years of industry experience. He holds the Series 65 and Series 63 designations and has worked in various roles at Investcorp Retirement Specialists and SagePoint Financial, Inc. Thompson has also served as Assistant Vice President for InvestOne Wealth Management Inc., a DBA entity. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides a range of brokerage and advisory services supported by asset-allocation tools, multiple investment platforms, and third-party managed account solutions.

Darren Bush is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2002. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, utilizing multiple advisory programs and credentialed fiduciary services.

Steven Heger is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been associated with LPL Financial since 2013 and has concurrent roles at HUB International and Global Retirement Partners, LLC. Outside of his advisory work, he is involved with A Pineapple Life, a non-investment related business entity. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Justin Kuczynski is a financial advisor at Ameriprise with 20 years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he serves on the Board of Directors and as Treasurer for Housing Our Homeless Vets, a nonprofit organization. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm serves a broad client base with a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Andrew Guarente is a financial advisor with Raymond James & Associates in Rockville, MD. He holds Series 63 and Series 66 licenses and has seven years of industry experience. Prior to joining Raymond James in 2020, he worked at J.P. Morgan Securities and J.P. Morgan Chase & Co. from 2013 to 2020. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning, investment consulting, and institutional services to a diverse client base, including individuals, pension plans, corporations, and government entities.

Jamie Waldren is a financial advisor with Raymond James Financial Services Advisors, Inc. in Columbia, MD, holding the CFP® designation and Series 63 and 65 licenses. He has 33 years of industry experience, including prior roles at Wells Fargo Clearing and as an owner and author with JN Private Wealth Management. Waldren authored a book titled *Exit on Your Own Terms*. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, providing financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through detailed client assessments and offers multiple implementation options, including brokerage and advisory accounts, with a significant portion of its business conducted on a non-discretionary basis.

Kathleen Kennedy is a financial advisor with LPL Financial in Rockville, MD, holding a Series 66 designation and having eight years of industry experience. Her previous roles include positions at Grove Point Advisors, Ameriprise Financial Services, and Discover Financial Services. In addition to her advisory work, she is involved with Corporate Benefit Services, Inc. in Rockville, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, utilizing research from LPL Research and third-party subadvisors across discretionary and non-discretionary management strategies.

Bruce Pearlman is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 24 years of industry experience. He previously worked at Avantax Insurance Agency and Avantax Advisory Services for over two decades. He is an emeritus member of the National Capital Chapter board of the MS Society. Cetera Investment Advisers LLC serves individual clients, retirement plans, corporate, charitable, and institutional accounts through a large network of independent advisors, offering portfolio management, financial planning, and access to multiple investment strategies and third-party managers.

Rajat Rajan is a CFP® professional with 38 years of industry experience, currently serving at LPL Financial since 2020. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, accumulating ten years of experience at those firms. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of advisers. The firm offers various advisory programs, retirement plan consulting, and brokerage services while providing both discretionary and non-discretionary management supported by in-house and third-party research.

Eduardo Correa is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and having nine years of industry experience. He has worked at Wells Fargo Bank, Bank of America, Merrill, and Morgan Stanley over the course of his career. He is based in Gaithersburg, MD. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering a range of brokerage and advisory solutions.

Sarah White is a financial advisor with Mass Mutual Investors Services and has 34 years of industry experience. She holds Series 63 and Series 65 credentials and has been with MML Investors Services, Inc. and Mass Mutual Life Insurance Company since 1991. In addition to her advisory role, she is involved in sales of life, health, group life, and group health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, goal-based planning and various specialized programs such as divorce and estate-settlement planning.

Steven Goldberg is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations. Goldberg previously worked at Lincoln Financial Advisors and SunTrust Advisory Services. Outside of advising, he serves as a notary public. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios with a wide range of investment options.

Daniel Eastep is a Wealth Management Advisor with Merrill Lynch Wealth Management, focusing on helping individuals and families manage their wealth and plan for retirement. He provides personalized retirement planning and investment management services to corporate executives, affluent individuals, families, and business owners. His approach emphasizes long-term strategies, personal attention, and a consistent client experience, aiming to build and preserve wealth through sound investment programs designed to manage risk and create opportunities. Prior to joining Merrill in 2004, Daniel spent seven years as an accountant and auditor. He is an Army Veteran and holds a Bachelor of Business Administration degree in Accounting from Radford University. Daniel holds several professional designations, including Certified Financial Planner (CFP), Accredited Domestic Partnership Advisor (ADPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He resides in Dunn Loring, Virginia, with his wife Heather and their two children. Outside of his professional work, Daniel enjoys basketball, biking, camping, golfing, music, reading, spending time with his family, tennis, traveling, and watching movies.

Roberta King is currently serving as Vice President and Branch Leader at Fidelity Investments, a position she has held since 2020. She is focused on hiring, training, and developing a team of financial professionals committed to a purpose of helping people. Roberta's career at Fidelity Investments spans nearly two decades, beginning as a Full Trader in 2005. She progressed through roles including Private Client Specialist, Branch Service Manager, and Assistant Branch Manager before assuming her current leadership role. Her extensive experience within the company encompasses various facets of financial services and branch management. Outside of her professional responsibilities, Roberta enjoys a range of personal interests such as board games, hiking, painting, tennis, traveling, and yoga.

Michael Stone is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Charles Schwab in 2025, he worked at Bankers Life and Bankers Life Advisory Services, Inc., and has experience in the insurance and financial services sectors. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering clients multi-asset model portfolios supported by centralized custody and operational infrastructure.