Nicholas Harding is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked for nine years at City National Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools without providing individual security recommendations in its standalone planning services.

Anil Nachnani is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1995. Outside of his advisory role, he is associated with a family partnership involved in investment-related activities and a family farm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced tools and research.

Mark Henderson is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over nine years of industry experience. His prior roles include seven years at Bessemer Trust, two years at Van Ness Feldman LLP, and two years at Georgetown University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers customized, non-discretionary investment advice incorporating an ESG eligibility framework and access to a broad range of fund and strategy options.

Thomas Lewandowski is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 designations and 25 years of industry experience. His prior roles include positions at Merrill and Bank of America. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings than typical large institutional advisers.

Joseph Mclister is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by the Global Investment Committee’s analyses.

Sidney Williams is a Team Financial Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2014, he has developed a reputation as a reliable resource for clients, handling various needs such as funds transfers and reconciliations. He focuses on delivering a high standard of service across multiple areas including college education planning, employee benefits planning, family wealth management strategies, personal retirement planning, tax minimization, and services tailored to endowments, foundations, non-profits, and defined benefit plans. Sidney holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a high school diploma or GED from Southern Illinois University System and obtained a bachelor's degree from DeVry University. Outside of his professional responsibilities, Sidney enjoys activities such as billiards, bowling, chess, golfing, hiking, skiing, swimming, tennis, traveling, and spending time with his family.

Curtis Wiltsey is an Investment Consultant at Fidelity Investments. He has been with Fidelity since 2022, progressing through roles including Workplace Planning Associate, Workplace Planning Consultant I and II, before assuming his current position in 2026. Curtis approaches his work by understanding his clients' unique situations and goals to co-create personalized investment solutions aimed at benefiting clients and their families. His professional experience centers on workplace planning and investment consulting, providing comprehensive support to clients in managing their financial futures. Outside of work, Curtis has personal interests in food, music, running, swimming, and traveling.

Richard Kline is a financial advisor at J.P. Morgan Securities with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including AMG Funds LLC and Vision 4 Fund Distributors LLC. Since 2021, he has been employed by both J.P. Morgan Securities and JPMorgan Bank, allowing him to offer a range of banking products and services in addition to investment advisory. 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 brokerage and investment management capabilities, offering recommendations on a non-discretionary basis with client decision-making authority.

Charlotte Wall is a financial advisor with Cetera holding a Series 66 license and four years of industry experience. She has worked at multiple entities within the Cetera network as well as Premier Planning Group, where she also manages office operations and coordinates events. Additionally, she is involved in the sale of fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary strategies across multiple custodial relationships.

Dhanuka Buddhakorala is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Fidelity Investments and CIBC. Outside of his advisory role, he volunteers as a program manager and bookkeeper for Transition Philippines, a nonprofit organization. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Duncan Mackay is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2020, he worked at Morgan Stanley and Morgan Stanley Private Bank, National Association from 2011 to 2020. Outside of his advisory role, he serves as co-trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mason Davis is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and previously worked at Oppenheimer & Co. Inc. outside of his current role. Mason has held various positions across different industries prior to entering financial advisory. J.P. Morgan Securities 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 in its recommendations.

Douglas Potash is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 66 designation and 22 years of industry experience. He previously worked for Cambridge Investment Research Advisors and Cambridge Investment Research from 2012 to 2026. Outside of his advisory work, Potash is the owner of a social networking group called Shidoobee with StonesDoug. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, including retirement plans and charitable organizations, through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.

Joyce Mayernick is a Financial Advisor with Merrill Lynch Wealth Management. She serves a diverse clientele that includes individuals, families, federal employees and contractors, active-duty and retired military members, and aviation professionals. Joyce works closely with her clients to address a broad range of financial needs such as retirement planning, family wealth management, legacy planning, philanthropic planning, and portfolio management services. She emphasizes building strong relationships to develop strategies tailored to her clients' unique goals and challenges. Joyce began her career in financial services in 2008 as a Private Equity Analyst and later founded her own event planning firm before returning to wealth management in 2022. She holds a Personal Investment Advisor (PIA) designation and earned her degree from the State University of New York at Geneseo. In addition to her financial expertise, Joyce is active in professional organizations including LEAD for Women and the National Association of Women Business Owners (NAWBO). Her community involvement includes serving as an Ombudsman for the U.S. Coast Guard Air Station Sacramento and participation with the United Service Organizations (USO). Joyce resides in Alexandria, Virginia, with her husband and enjoys interests such as basketball, cooking, golf, skiing, interior decorating, traveling, and spending time with family.

Meghan French is a Series 66-licensed financial advisor with Morgan Stanley in Washington, DC, bringing six years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2019, and previously worked at WMS Partners and the University of Richmond. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate the Global Investment Committee’s return estimates and Monte Carlo simulations.

Henry Chalkley is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Outside of his advisory work, he serves as Chairman Emeritus and advisor to the Board of Directors of the Maryland Private Golf Club Conference. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of more than 23,700 financial advisors and offers a variety of investment strategies and affiliated services under a fiduciary standard.

Joel Dovi is a financial advisor with Raymond James Financial in Annapolis, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2009. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports municipal and public-finance work through its affiliation with a municipal advisor.

Joseph Green is a financial advisor at Merrill with Series 65 and Series 63 designations and four years of industry experience. Prior to joining Merrill in 2021, he was self-employed for one year and worked at American Councils for International Education and Verizon Wireless. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jack Whaley is a Planning Consultant at Fidelity Investments, where he has been serving since 2024. In this role, he works closely with clients to ensure they are aligned with their financial goals and objectives by implementing holistic financial planning strategies. Jack emphasizes building trust-based relationships and seeks to understand each client's unique situation to provide tailored financial advice. He joined Fidelity Investments in 2022 as an Investment Consultant before advancing to his current position. Prior to that, Jack worked as a Financial Professional at Equitable Advisors from 2020 to 2022. His career reflects a consistent focus on guiding clients through their financial planning journeys. Outside of his professional responsibilities, Jack has interests in fitness, social events with friends, movies, music, and theater.

Kaula Jacks is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Primerica Advisors, she has held positions at MT Zion United Methodist Church and PFS Investments Inc. Outside of advisory work, she is involved with the sale of home security and automation products, as well as loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery investment strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.