Deborah Harris is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 63 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Bryan Condra is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at Morgan Stanley and E*TRADE, including roles at Morgan Stanley Private Bank. Outside of his advisory work, he serves as an officer for BDC Capital, where he assists with real estate investment research and property operations. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process utilizes structured discovery and firm-approved tools, with an emphasis on advisory services rather than specific security recommendations.

James Johnston is a financial advisor with Merrill based in Washington, DC. He holds a Series 66 designation and has two years of industry experience. His prior work includes positions at University at Boulder, Space4Good, and Eldora Ski & Ride School. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Brudniak is a financial advisor at RBC Capital Markets in Washington, DC, with 41 years of industry experience. He has been with RBC Capital Markets since 2009 and previously worked at City National Bank from 2019 to 2025. Outside of his advisory role, he was a passive owner of an antiques business that sold to private collectors and museums. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Mark Cunniff is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Bank of America, Merrill Lynch, and Kenwood Country Club. He has also been involved with Wake Forest University and worked with CaddieMaster. 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 model-based and discretionary investment strategies for a variety of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Helen Mc Call is a financial advisor at Charles Schwab in Reston, VA, holding Series 63 and Series 66 licenses with three years of industry experience. Her prior experience includes roles at Fidelity Investments and Meriwether Godsey, as well as work in education and alumnae relations at Sweet Briar College. 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 portfolio management, combining strategic asset allocation with access to alternative investments and centralized operational support.

Robert Howe is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he develops customized investment plans for both corporate retirement plan clients and individual private wealth management clients. Before joining Merrill Lynch in 2016, he served as a Vice President at the Money Management Institute, a nationally recognized trade association focused on investment solutions. Robert works closely with business owners, plan sponsors, and participants to prepare for retirement, assisting with 401k plan improvements, employee education, fiduciary duties, and executive compensation and Non-Qualified retirement programs. Robert holds a Bachelor's Degree from the University of Maryland and an MBA from George Mason University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a graduate of Phillips Andover and also attended Clarkson University. Outside of his professional work, Robert enjoys adventure sports such as biking, boating, camping, ice hockey, scuba diving, and skiing. He spends time with his family and pursues reading and watching movies. Robert participates in community organizations including DC Lucky Dog and is involved with the Phillips Andover Alumni Association. His approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at pursuing long-term goals.

Adam Nowak is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2021. Prior to his advisory role, he attended the University of Wisconsin-Madison and worked at Westborough High School. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm follows an IPS-driven process grounded in modern portfolio theory and acts as an ERISA fiduciary when providing investment advice.

Stephen Stavrou is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 66 designation and has worked at firms including Northwestern Mutual, JP Morgan Chase, and Bank of America. Outside of his advisory roles, he operated a dog walking business from 2022 to 2023. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using firm-approved software tools and offers a range of programs including estate settlement and employer-sponsored planning.

Jonathan Sade is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients and their families to understand their financial situations and priorities, developing customized strategies to address their investing and fiduciary responsibilities. Jonathan focuses on both institutional and individual wealth management needs. Jonathan holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a high school diploma from St Albans School and a bachelor's degree from Princeton University. Jonathan has been recognized in Forbes "Best-in-State Wealth Advisors" consecutively from 2019 through 2024.

Jonathan Legg is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2007. He serves on the advisory board of Wealth Strategies Journal. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes supported by proprietary tools and serves clients through both direct relationships and corporate agreements.

Lakeisha Hill is a CFP® with 22 years of industry experience, currently serving at Edelman Financial Engines. She has been with the firm and its predecessors since 2016, including Financial Engines Advisors L.L.C. since 2018. Outside of her advisory role, she is the president of the Arlington Traditional School PTA and an author of a personal memoir titled *Breath of Grace: My life with sickle cell, God and Yoga*. 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 proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment solutions.

Richard Haskin is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides comprehensive financial planning services to individuals and families, aiming to deliver personalized advice and client service. Richard has over 25 years of experience in the financial industry. He studied business at the University of Miami and earned the Certified Exit Planning Advisor (CEPA) designation through the Exit Planning Institute. This credential equips him to address the unique opportunities and challenges faced by entrepreneurs from business launch through exit. Richard also holds the Personal Investment Advisor (PIA) designation. Richard serves on the board of directors of the Jewish Social Services Agency, which supports families in the DC metro area. He is a member of the Amity Club of Washington, an organization focused on philanthropic and social activities. He and his wife, Tamara, have lived in Washington for over 30 years and have two grown sons.

Mara Da Silva is a CFP® and Series 66-designated financial advisor with 14 years of experience at RBC Capital Markets, where she has worked since 2012 in Rockville, MD. She is affiliated with RBC Wealth Management, a division of RBC Capital Markets, LLC, which serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients' risk profiles, utilizing both in-house and third-party investment managers.

Alexandra Julia Nemeroff is a financial advisor with UBS Financial Services, holding Series 63 and Series 66 credentials and seven years of industry experience. Her prior work includes positions at Franklin Templeton Distributors, Inc., Equinox, and Trunk Club. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and custody solutions.

Jennifer Franco Dias is a financial advisor with J.P. Morgan Securities in Washington, DC, holding Series 65 and Series 63 credentials with 10 years of industry experience. Her prior work includes roles at BOFA Securities, Inc., Merrill Lynch Professional Clearing Corp., and JPMorgan Securities, LLC. 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 applying an ESG eligibility framework when recommending strategies.

William Moss is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and 12 years of industry experience. He previously worked at Bank of America, N.A. and Merrill. Outside of his advisory role, Moss serves on the boards of The Heights School and DC Accelerator, and is a professor at Catholic University of America. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured tools and modeling techniques, serving clients through a combination of advisory and brokerage services.

Chidozie Obidegwu is a CFP® with 15 years of industry experience, currently serving at Fidelity. His career includes roles within various Fidelity divisions since 2012. He is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Crystal Davis is a CFP® professional with 14 years of industry experience, currently affiliated with Cetera. She has held roles at multiple firms including Avantax and operates her own Davis Financial Services LLC, providing tax preparation and business consulting. Additionally, she serves as a director at Davis & Ritter CPA's LLC and is involved in editorial work for various publications. Cetera Investment Advisers LLC is a nationally registered SEC adviser supporting a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through discretionary and non-discretionary program platforms.

Timothy Ernst is a financial advisor with Osaic Wealth, Inc. based in Silver Spring, MD. He holds Series 63 and Series 65 licenses and has 27 years of industry experience, including 25 years at Lincoln Financial Advisors. Outside of his advisory work, he coaches soccer to middle school students in an after-school program. Osaic Wealth, Inc. serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of investment strategies and third-party platforms to manage portfolios on both discretionary and non-discretionary bases.