Timothy Twitchell is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in Northern Virginia in 1998, Tim has developed extensive experience collaborating with individuals, families, accomplished professionals, and business owners to define and pursue their financial goals. He focuses on creating customized, goals-based wealth management strategies that address areas including college education planning, family wealth management, personal retirement planning, portfolio management, tax minimization, and retirement income. Tim employs a disciplined and structured process to develop tailored financial plans. This includes analyzing clients’ needs and goals, evaluating their overall financial situation, determining time horizons and investment risk tolerance, and establishing asset allocations appropriate to their objectives. He works closely with Merrill specialists to advise on wealth accumulation, preservation, transfer, liability management, insurance planning, and strategies related to concentrated stock positions and company stock options. Tim holds the Chartered Retirement Planning Counselor (CRPC) designation and the Personal Investment Advisor (PIA) credential. He earned his bachelor's degree from SUNY Albany and a high school diploma from Ward Melville High School. Outside of his professional role, Tim enjoys spending time with his wife Shana and their three children. He participates actively in the Fairfax Station, Virginia community where they reside. His personal interests include basketball, football, cooking, music, traveling, and following New York sports teams. Tim’s approach is centered on helping clients build financial foundations that allow them to make confident decisions aligned with their unique priorities throughout life’s stages.

Caroline Bidwick is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has worked at Fidelity Investments since 2024. Prior to her advisory role, she held positions at Ridgewells and Planet Fitness. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction using a combination of fundamental research, quantitative analysis, and algorithmic methods. The firm serves a variety of clients such as registered investment companies and an IRS-qualified Charitable Gift Fund.

Andre Lynch is a financial advisor at Morgan Stanley in Washington, DC, holding Series 63 and Series 65 licenses with nine years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at JPMorgan Chase Bank and JP Morgan Securities LLC. Outside of his advisory role, Lynch is a sole proprietor managing rental property. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides services through various programs without directly recommending individual securities in standalone planning.

James Jacob is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 designations and bringing 45 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities Inc. since 2010. In addition to his advisory role, he is also an employee of JPMorgan Bank, enabling him to offer certain bank products and services. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations, offering clients a range of brokerage, distribution, and investment management capabilities.

Adrienne Delibert is a financial advisor with Merrill in Washington, DC, holding a Series 66 designation and nine years of industry experience. She has been with 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 a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Megan Viviano is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 licenses and has worked at various J.P. Morgan entities since 2017. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager research, and customized performance reporting. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities.

Christopher Beanland is a financial advisor with Merrill in Washington, DC, holding a Series 66 designation and 13 years of industry experience. He has worked at both Bank of America, N.A. and Merrill since 2012. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Andrew Rieger is a financial advisor at Morgan Stanley with 30 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 1995. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a broad range of advisory programs and tailored financial planning services supported by firm-approved tools and structured discovery processes.

Ty Stepner is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His career includes roles at TD Bank and GWN Securities, as well as a position at Salty Mermaid Bar & Grille. 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 individuals, high-net-worth clients, and various institutional investors.

Glover Kebe Jr. is a financial advisor with Fidelity, holding a Series 66 designation and 19 years of industry experience. He has been with Fidelity Investments since 2007, including roles at Fidelity Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified Charitable Gift Funds and registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages advisory roles for multiple registered investment companies.

Michael Kelly is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in serving corporate executives, small business owners, and families, focusing on areas including corporate executive services, family wealth management strategies, institutional and corporate benefit services, investment consulting for defined contribution plans, and retirement income planning. Michael works closely with clients to develop customized financial strategies that address both personal wealth management needs and the investing and fiduciary responsibilities of institutions. He holds a Bachelor's Degree from St Mary's University of Minnesota and completed an Accredited Certificate Program at The Wharton School. Michael holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael lives in Mequon, WI with his wife Lisa. He is passionate about community involvement and volunteers with SecureFutures, a local non-profit organization dedicated to providing financial literacy to area high school students. His involvement has included serving on the organization's annual investment conference committee and finance committee, as well as taking roles such as board director, classroom volunteer, and one-on-one coach. He enjoys golfing, spending time with his family, and traveling.

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.

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.

James Ventura is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 25 years of experience in financial services, having begun his career at Dean Witter Reynolds. James focuses on helping clients manage executive compensation, personal retirement planning, portfolio management, tax minimization, and retirement income. He works closely with clients to develop personalized financial strategies that align with their long-term goals. James holds a Bachelor's Degree from the University of Maryland and completed an Accredited Certificate Program at Harvard University. He is registered with FINRA, holding the Series 7 and 65/66 licenses, and carries the Personal Investment Advisor (PIA) designation. James is a member of the Harvard Alumni Association and the USTA. Residing in Northern Virginia with his wife and son, James is actively involved in community organizations such as the Alexandria Mentoring Partnership and Historic Alexandria. His personal interests include golfing, reading, and tennis.

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.

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.

Eric Goodson is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. 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 methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that include but are not limited to comprehensive financial planning and estate strategies.

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.