Francesca Zelachowski is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds the Series 66 and Series 65 designations and previously worked at Goldman, Sachs & Co. from 2014 to 2017 before joining Morgan Stanley in 2017. She is also a board member of Beia LLC, a retail and online stores business based in New York. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its financial planning process.

Shane Cooke is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Washington, DC. He focuses on helping individuals, families, and business owners pursue their financial goals through personalized wealth management strategies and thoughtful planning. Shane works closely with clients to navigate important financial decisions with clarity and a long-term perspective. He offers expertise in areas such as family wealth management strategies, institutional and corporate benefit services, services for endowments, foundations, and non-profits, employee financial health, personal retirement planning, and portfolio management services. Shane adopts a consultative approach, tailoring strategies to align with each client's unique circumstances and broader financial objectives. Shane holds a Bachelor's Degree from the University of Virginia and holds the Personal Investment Advisor (PIA) designation. He is involved with community organizations including the Code of Support Foundation and Service Never Sleeps. Outside of work, Shane enjoys 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 with 22 years of industry experience. He holds Series 65, Series 66, and Series 63 credentials. His prior roles include positions at GFO Advisory Services, LLC and Legg Mason Wood Walker, Incorporated. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their non-discretionary program emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and incorporating a forward-looking investment approach.

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 in Washington, DC, holding a Series 66 designation with seven years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2023 and was previously with Citigroup for four years. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and includes a range of eligible investment strategies with an ESG eligibility framework.

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.

Lovie Leach Yarborough is a financial advisor at Cambridge Investment Research Advisors with 28 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked with Money Concepts Capital Corp and Money Concepts Financial Planning Centre. Yarborough is also an owner of Ellevation Wealth Management and Legacy Planning, LLC, and is active as an insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers services through multiple platforms and custodians and supports both discretionary and non-discretionary management strategies.

Loren Danielson is a financial advisor with RBC Capital Markets in Washington, DC, holding Series 63 and Series 66 licenses and having 45 years of industry experience. He has been with RBC Capital Markets since 2009 and also works at City National Bank from 2017. Outside of his advisory role, Danielson manages a Washington-area softball league and serves on the American University Eagles Leadership Council for the athletic department. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers and providing discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

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 financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His work history includes positions at JPMorgan Chase Bank, N.A., and Georgetown University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a manager solutions team and includes capabilities in derivatives and commodities.

Micah Montano is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 credential and has worked at JPMORGAN Chase Bank, N.A. and J.P. Morgan since 2024. His prior experience includes roles outside the financial industry and attending Duke University. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework.

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.

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.

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.

Joseph Gilbert is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2019, following four years at Stifel. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and based on modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and demographics.

Matthew Choma is a CFP® with 10 years of industry experience, currently serving at Charles Schwab in Washington, DC. He has been with Charles Schwab since 2015 and Charles Schwab Bank since 2017. 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 a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research-driven due diligence.

Kenneth Kline serves as a Private Wealth Advisor and is a founder and leader of the Bono & Kline Group at Merrill Private Wealth Management. He works with ultra-affluent individuals, families, and institutions to develop tailored financial strategies. His approach integrates investment management, trust and estate planning services, philanthropic planning, and access to customized credit and lending through Bank of America, N.A. Within his team, he oversees wealth transfer initiatives and has specialized expertise in philanthropic strategies including family foundations, donor-advised funds, and charitable trusts. Kline began his professional career as the founder and owner of an interstate mortgage and construction company operating in the Mid-Atlantic and Midwest regions. In 2001, he transitioned to wealth management by joining Sanford C. Bernstein (now AllianceBernstein) as a Private Wealth Advisor. After eight years, he moved to Barclays Wealth and Investment Management where he collaborated with the Bono & Kline Group before joining Merrill Private Wealth Management in 2015. He holds a Bachelor of Business Administration with a concentration in Real Estate and Economics from the University of Wisconsin, Madison, and a Master of Business Administration in Finance from the University of Maryland. Kline previously served on the Finance Committee for the Children’s Inn at the National Institute of Health and is a past president of the Estate Planning Council of Montgomery County, Maryland. He lives in Potomac, Maryland with his wife and three children and enjoys skiing, running, hiking, reading, and researching future investment trends.