Francesca Zelachowski is a financial advisor at Morgan Stanley with 12 years of industry experience. She has held positions at Goldman, Sachs & Co. from 2014 to 2017 before joining Morgan Stanley in 2017. Outside of her advisory role, she serves as a board member for Beia LLC, a retail and online store based in New York. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs with a focus on tailored financial planning supported by firm‑approved tools and methodologies.

William Patriarca is a CFP® professional with 10 years of industry experience, currently with LPL Financial. His career includes roles at Cetera Investment Services, First National Bank of Pennsylvania, and Wells Fargo Clearing Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm provides various advisory programs, retirement plan consulting, and brokerage services, with investment options supported by LPL Research and third-party subadvisors.

Shane Cooke is a Senior Financial Advisor at Merrill Lynch Wealth Management in Washington, D.C. He assists government relations executives, former public-sector professionals, and adoptive families in building purposeful financial futures. Shane employs a consultative approach to understand his clients' core values and goals, providing customized recommendations tailored to their unique financial needs. His areas of expertise include family wealth management strategies, institutional and corporate benefit services, endowments, foundations, non-profits, employee financial health, personal retirement planning, and portfolio management services. He focuses on helping families address key financial concerns such as retirement planning, college savings, tax mitigation, heir care, and wealth preservation. Shane holds a Bachelor's Degree from the University of Virginia and the Personal Investment Advisor (PIA) designation. Beyond his professional role, he is involved with the Code of Support Foundation and Service Never Sleeps. His personal interests include cooking, golfing, skiing, and soccer.

Samuel Emery is a financial advisor with LPL Enterprise in Crofton, MD, holding a Series 66 credential and three years of industry experience. Prior to joining LPL Enterprise, he worked at The Prudential Insurance Company of America and Pruco Securities LLC. Emery has a background in the medical device industry, having held roles at Medtronic, Inc., Invasix, Inc., and Smith and Nephew. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients by providing financial planning, advisory services, and access to model portfolios and third-party asset management. The firm integrates advisory programs with brokerage and insurance product sales through an affiliated agency, offering a comprehensive platform to its clients.

John Rubin is a financial advisor at J.P. Morgan Securities in Washington, DC, holding Series 65, Series 66, and Series 63 licenses with 22 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a quantitative asset-allocation approach combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Andrew Lowrie is a Series 66–licensed financial advisor with Morgan Stanley in Washington, DC, where he has worked since 2021. He has four years of industry experience and previously taught at the University of Georgia and Landon School. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to help clients model financial outcomes.

Millard Herold III is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers.

Thomas Hagigh is a Certified Financial Planner (CFP®) with 31 years of industry experience, currently serving at LPL Financial since 2023. His prior roles include positions at Janney Montgomery Scott and Wells Fargo Advisors. He also works as an agent selling fixed annuity insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions, offering a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Andrew Arnold is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has previously worked at Citigroup, Stand Together, Arizona State University, and Buckeye Partners, LP. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers customized, non-discretionary advice through its Institutional Consulting Services program.

Jeffrey Brill is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and possessing 22 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, N.A. since 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Frank Piotrkowski is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2004, he has provided personalized financial strategies designed to assist clients in pursuing their long-term goals. His approach emphasizes communication, goal tracking, ongoing portfolio management, and advice, with a focus on delivering a tailored experience supported by a dedicated team. Frank's expertise spans retirement income planning, wealth building strategies for individuals and families, and company retirement plans including 401(k), 403(b), and defined benefit plans. He utilizes goals-based planning, tax-minimization strategies, portfolio risk management, and disciplined portfolio construction and rebalancing to help clients manage and grow their wealth. His client focus areas include divorce transition planning, employee benefits planning, LGBT wealth planning, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. He holds a Bachelor's Degree from Georgetown University and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Frank is fluent in English and French. Outside of work, he spends time running, skiing, and traveling with his family, and participates in community volunteer activities aligned with Merrill's tradition of community involvement.

Lovie Leach is a financial advisor with Cambridge Investment Research Advisors, holding the Series 63 and Series 65 designations and bringing 27 years of industry experience. Prior to joining Cambridge in 2024, Leach worked for Money Concepts Capital Corp and Money Concepts Financial Planning Centre for over two decades. Outside of advisory roles, Leach owns Ellevation Wealth Management and Legacy Planning, LLC. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm offers multiple portfolio management approaches, proprietary and unaffiliated model strategies, and institutional features such as advisor transition support and compliance oversight.

Katherine Fleiss is a financial advisor with Wells Fargo Clearing in Chevy Chase, MD, holding Series 63 and Series 66 credentials and five years of industry experience. Her prior roles include positions at Brown Advisory and Lynx Investment Advisory. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Noah Barile is a Series 66-licensed advisor at J.P. Morgan Securities in Washington, DC, with one year of industry experience. Prior to joining J.P. Morgan Securities, he held positions at JPMorgan Chase Bank and spent several years affiliated with Georgetown University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers services on a non-discretionary basis through a select group of Wealth Advisors.

Micah Montano is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan, Juju Durham, Oxford Properties Group, and The Cheesecake Factory. He studied at Duke University from 2021 to 2025. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Kaveh Gilanshah is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. Prior to joining UBS in 2021, he worked at Keystone Asset Management and held various roles at the Auto Care Association and George Mason University. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances.

Stephen Metzger is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 66 designation and 11 years of industry experience. He has been with LPL Financial since 2016 and also works as a teacher with Anne Arundel County Public Schools. Additionally, he is commissioned as a notary public with the American Association of Notaries. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Christopher Cunniff is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 35 years of experience helping individuals and families navigate significant financial decisions such as retirement planning, business transitions, legacy planning, and wealth transfer. Christopher works closely with clients to integrate investments, retirement income, lending and liquidity needs, estate planning strategies, and legacy goals into coordinated financial plans. His approach emphasizes understanding clients’ priorities to create personalized strategies that address their unique goals and family circumstances. He collaborates with other professional advisors when necessary to ensure comprehensive support for his clients. Christopher earned a Bachelor's Degree in Economics from Villanova University. He holds professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). Throughout his career, he has engaged in many multigenerational client relationships, helping families prepare for opportunities and responsibilities associated with wealth. Outside of his professional role, Christopher resides in Bethesda, Maryland with his wife, Emily. They have four children. His personal interests include playing tennis and golf, spending time with his family, following college sports and Washington-area teams, and being involved in community activities. He was born and raised in the Washington, D.C. area and graduated from the Bullis School in Potomac.

Ethan Wittner is a financial advisor at LPL Enterprise with one year of industry experience. He holds the Series 66 designation and has worked previously at PRUCO Securities, LLC. Outside of advisory work, he is involved with Rite Way Valet. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, model portfolio services, third-party asset management, and brokerage and insurance products through an integrated platform.

James Oscar Lonaeus is a financial advisor at Merrill with a Series 66 designation. He has been with Merrill since 2023 and has prior experience working at the University of Vermont, Cottrell Pier Association, and Walsh Works LLC. His background includes roles in both educational and organizational settings. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.