Karnail Kooner is a financial advisor at LPL Financial with 36 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2023, Karnail worked at CUNA Brokerage Services, Inc. for over two decades and spent a year with Voya Financial Partners, LLC. 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 access, and institutional platforms.

Laura Hannon is a financial advisor at Merrill with 20 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior work includes positions at Wells Fargo Clearing, Wells Fargo Bank NA, and Wells Fargo Advisors LLC before joining Merrill and Bank of America in 2017. 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 individual, high-net-worth, and institutional clients, utilizing internal Chief Investment Office teams and third-party managers.

Matthew Kelly is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Ameritrade Inc. from 2010 to 2022. Outside of his advisory role, he serves as a committee member for the nonprofit Tuckahoe Recreation Club. Charles Schwab 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 both non-discretionary and discretionary investment solutions, combining centralized custody and order-routing with multi-asset model portfolios and access to alternative investments.

Zaina Bankwalla is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 18 years of industry experience. She has been with MML Investors Services and MassMutual since 2016. In addition to her advisory role, she is the owner and CEO of Virid Financial LLC, a financial planning and wealth management firm. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars with a focus on collaborative, goal-based planning and offers specialized event-driven services such as divorce and estate-settlement planning.

Cory Cha is a CFP® professional with 13 years of experience in the financial services industry. He is currently with Charles Schwab, where he has worked since 2018, including roles at Charles Schwab Bank, SSB. His prior experience includes positions at TD Ameritrade and Fidelity Brokerage Services LLC. 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 and offers multi-asset model portfolios supported by research and due diligence on alternative investments.

Adam Searle is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2013 after three years at Morgan Stanley, where he worked closely with Susan Shields and Jennifer Abate. Adam specializes in helping clients identify long-term goals and develop strategies that align with their priorities. His areas of responsibility include portfolio construction and analytics, risk management strategies, cash-flow analysis, budgeting, wealth analysis, and long-term planning. He collaborates with colleagues as well as clients' external tax and legal advisors to integrate multiple financial disciplines, aiming to enhance and simplify clients' financial lives. Adam's professional designations include the Certified Plan Fiduciary Advisor® (CPFA®) awarded by the National Association of Plan Advisors (NAPA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds an Honours Bachelor degree in Finance, with Accounting and Management, from the University of Nottingham in the United Kingdom. Adam’s client focus areas include college education planning, executive compensation, family wealth management strategies, socially responsible investing, and retirement income planning. Outside of his financial advisory role, Adam has been actively involved as a volunteer firefighter and EMT with the Vienna Volunteer Fire Department and Fairfax County Fire and Rescue since 2012, currently serving as a Lieutenant. His personal interests include fly-fishing, playing golf, hiking, and traveling to less-traveled destinations with his fiancé.

William Beasley is a financial advisor with Charles Schwab, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, LLC, Td Ameritrade, Inc., Scottrade, and ViBe, LLC. Outside of the financial industry, he works as a sales associate at Lowe's Home Improvement. 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 affiliated discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by comprehensive research and due diligence.

Brian Petersen is a financial advisor with Charles Schwab in Tysons Corner, VA. He holds Series 66 and Series 63 licenses and has 10 years of industry experience, all with Charles Schwab & Co., Inc. and Charles Schwab Bank. 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 investment options supported by multi-asset model portfolios and a centralized operational structure.

Matthew Carmichael is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to understand their financial priorities and develop personalized strategies to pursue short-, mid-, and long-term goals. His approach integrates investment guidance, retirement planning, education funding, and wealth management, with access to Bank of America resources for banking, lending, and credit solutions. Matthew holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from the University of Virginia. He is involved with the Benevolent and Protective Order of Elks, reflecting his engagement in community activities. Outside of work, Matthew's interests include adventure sports, basketball, football, reading, and spending time with his family.

Douglas Lara Castro is a Series 66-registered financial advisor at J.P. Morgan Securities with two years of industry experience. His prior work includes roles at Charles Schwab, Bank of America, Merrill, and JPMorgan Chase Bank, N.A. He also has involvement with several entrepreneurial ventures, including positions at Parking Management Co LLC and Andrew Chekene Enterprises Inc. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sean Mcqueen is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. His prior work includes roles at Securian Capital of the Chesapeake and First Command Financial Services. Outside his advisory work, he is involved as a financial professional with Kinnect Advisors and acts as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves 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 multiple program structures.

Adam Paffenroth is a financial advisor with Cetera, holding CFP® and ChFC® designations and over 10 years of industry experience. His prior roles include positions at Stifel Independent Advisors, Morgan Stanley Private Bank, and Edward Jones Investments. He is based in Vienna, VA. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and a multi-manager platform with diverse investment options.

Caiden Gourley is a financial advisor at Ameriprise in McLean, VA, holding Series 63 and Series 65 licenses with less than one year of industry experience. His prior work includes roles at ProPics, Poplar Grove Golf Club, Dicks Sporting Goods, RCM Capital Management, Liberty University, Flex Engineering Solutions, and Danville Community School. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Zachary Intermill is a financial advisor at Ameriprise in Fairfax, VA, holding a Series 66 designation with five years of industry experience. He has been with Ameriprise and its affiliate since 2018. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team in partnership with financial advisors.

Pamela Gonzalez is a Series 66-licensed financial advisor at Merrill with seven years of experience at the firm and a total of three years in the industry. Her prior roles include positions at George Mason University, Northern Virginia Community College, Dr. Michael Bermel & Associates, Mario's Painting LLC, and the State University of New York College at Old Westbury. 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 a range of model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aleksandr Roytman is a financial advisor at Osaic with 15 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for Lincoln Financial Advisors Corporation for 12 years. Roytman also operates a sole proprietorship focused on providing clients with fixed annuities and term life insurance. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services and uses various asset-allocation tools and third-party solutions to construct diversified portfolios for its clients.

Mark Taylor is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018 and 2020, respectively. Prior to joining Morgan Stanley, he had brief roles including two separate one-year positions at Roanoke College and a year at Frost Gear. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

William Howard is a financial advisor at Ameriprise with 17 years of industry experience. He has been with Ameriprise and its related entities since 2014. Howard holds Series 65 and Series 66 credentials. He is co-owner of CFI Management Group LLC, through which he manages his advisory business. 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 a written Recommendation Report and ongoing retirement-income planning advice focusing on dependable income sources and tax-aware withdrawal strategies.

Richard Caggiano is a financial advisor with Ameriprise in Herndon, VA, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized service delivered alongside client advisors, with a focus on assets held within Ameriprise Managed Accounts.

Nathaniel Parks is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines in Fairfax, VA. His work history includes multiple roles at Financial Engines Advisors L.L.C. dating back to 2018, as well as prior experience at Commonwealth Financial Network. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions across a broad range of portfolios and account types.